TSLA340.570-1.7%
GM85.930-0.84%
F14.190-0.175%
RIVN15.005-0.355%
CYD45.5100.27%
HMC31.9150.335%
TM189.510-1.6%
CVNA73.360-2.23%
PAG219.380-0.47%
LAD374.940-2.61%
AN207.110-2.3%
GPI259.925-4.025%
ABG208.190-2.47%
SAH80.125-0.705%
TSLA340.570-1.7%
GM85.930-0.84%
F14.190-0.175%
RIVN15.005-0.355%
CYD45.5100.27%
HMC31.9150.335%
TM189.510-1.6%
CVNA73.360-2.23%
PAG219.380-0.47%
LAD374.940-2.61%
AN207.110-2.3%
GPI259.925-4.025%
ABG208.190-2.47%
SAH80.125-0.705%
TSLA340.570-1.7%
GM85.930-0.84%
F14.190-0.175%
RIVN15.005-0.355%
CYD45.5100.27%
HMC31.9150.335%
TM189.510-1.6%
CVNA73.360-2.23%
PAG219.380-0.47%
LAD374.940-2.61%
AN207.110-2.3%
GPI259.925-4.025%
ABG208.190-2.47%
SAH80.125-0.705%

Conducting customer interviews online to discuss F&I options

It’s time to face a new reality. Offsite deliveries aren’t going anywhere anytime soon. COVID-19 has forever changed the way car dealers do business, quite possibly forever if not for the foreseeable future. In growing numbers, more dealers performing offsite deliveries. If that’s you, holding your breath and waiting for things to get back to the way they were, it’s going to jeopardize your business. You will need to be more responsive engaging intuitive online to stay in the game. In this week’s episode of F&I Today, host and president of Chernek Consulting, Becky Chernek discusses the importance of conducting customer F&I interviews online. 

An offsite delivery doesn’t mean you have to engage in a tug of war. It’s been proven that customers will buy your products online when they’re presented with them. In fact, many auto buyers out there prefer it. They view online purchasing to be more credible than in-person transactions. This has something to do with their ability to see every step they’re taking and to remain in control of the transaction.

Remember, every deal counts, both online and offline. With recent improvements to technology, it’s easier than ever to get in front of your customer with webcam devices and easy to operate communications platforms. The customer doesn’t even have to download software to view your desktop! This makes it easy to engage with your customer both online and offline.  But what’s really important here is that you get out in front of these changes as they’re taking place. You have to have a sense of urgency.

Too many F&I managers wait until the customer gets into the F&I office to begin securing financing and going over the menu.  Many don’t even see the need to interview the customer beforehand. Well, every time we conduct the interview it makes a huge difference. With that in mind, doesn’t it makes sense to do everything in your power to communicate with the customer online, long before they come into the dealership with a check made out for the exact amount. This should always be a part of the process, with or without digital retailing.

Only now you have more options. You have the option of conducting the interview online, just as you would in the dealership. If you or the customer prefers, you can get them on the phone to talk more in-depth. Be open to alternatives. Be willing to do things you’ve never done, like sharing your desktop remotely or making other accommodations that will help the sale.

So if you’re sitting around and waiting for the customer to come into the dealership the way you’ve always done it, don’t be surprised if you’re the one who’s left behind.


Did you enjoy this episode of F&I Today with Becky Chernek? Please share your thoughts, comments, or questions regarding this topic with host Jim Fitzpatrick at jfitzpatrick@cbtnews.com.

Car Biz Today, the official resource of the retail automotive industry.

soundcloudBe sure to follow us on Facebook and Twitter to stay up to date or catch-up on all of our podcasts on demand.

While you’re here, don’t forget to subscribe to our email newsletter for all the latest auto industry news from CBT News.

More from F&I
Subaru to launch captive finance business in U.S., extends Chase partnership through transition

Subaru to launch captive finance business in U.S., extends Chase partnership through transition

- August 7, 2026
On the Dash: Subaru's new captive finance company is expected to give retailers more financing flexibility and stronger support for sales and F&I operations. Existing Subaru Motors Finance customers and...
Fighting payment anxiety in the F&I office with empathy and value

Fighting payment anxiety in the F&I office with empathy and value

- July 16, 2026
Payment anxiety is climbing, and the squeeze isn't just at the dealership. Rising rates, pricier vehicles and mounting negative equity are pushing monthly payments higher, and customers are watching every...
F&I office most trusted, but pain points remain, CDK Global survey finds

F&I office most trusted, but pain points remain, CDK Global survey finds

- July 9, 2026
Customers trust the F&I office more than any other part of the dealership visit, even as long wait times and duplicated paperwork continue to frustrate them. That's according to CDK...
The overlooked F&I process that builds trust, boosts profitability 

The overlooked F&I process that builds trust, boosts profitability 

- July 9, 2026
Today's car buyers expect a transparent, efficient purchasing experience from start to finish. On the latest episode of F&I Today, Paul Brown, VP of Ascent Dealer Services, explains why the...
CBT News
Privacy Overview

This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful.