FlexPath DXP Unveils LeaseDXP — A Groundbreaking Digital Experience Platform Redefining Used Vehicle Leasing
FlexPath DXP has announced the launch of LeaseDXP™, a first-of-its-kind Digital Experience Platform (DXP) designed to revolutionize the used vehicle leasing market. Powered by FlexPath’s innovative Single Vehicle Prequal (SVP) module and its patent-pending VeriQual™ identity and credit verification technology, LeaseDXP introduces an entirely new level of transparency, affordability, and trust to automotive retailing.
By embedding credit-analyzed, identity-verified lease payment offers directly within dealer websites, vehicle marketplaces, and digital retailing tools, LeaseDXP empowers consumers to explore real, personalized lease options instantly—without lengthy applications or uncertainty. The launch arrives at a pivotal moment for the automotive industry, where record-high vehicle prices and interest rates have driven many buyers out of the new car market.
LeaseDXP aims to address this consumer affordability crisis by expanding leasing access beyond new vehicles to used and certified pre-owned (CPO) models—segments that make up the majority of today’s vehicle transactions. Through its digital-first approach, LeaseDXP makes leasing a viable, scalable alternative for consumers and a high-impact opportunity for dealers and lenders alike.
Solving Affordability and Fraud in a Single Platform
“Used vehicle leasing has never been executed at scale,” said Tarry Shebesta, CEO of FlexPath DXP and President of the National Vehicle Leasing Association (NVLA). “With LeaseDXP, we’re solving both the affordability and identity fraud challenges in one unified platform. It’s the culmination of my 25+ years in online auto leasing and fintech innovation.”
While leasing currently represents about 25% of new vehicle sales, it accounts for less than 2% of used vehicle transactions—a stark gap that reflects untapped potential in the market. According to industry analysis, used vehicle leases could reduce consumer payments by $100–$200 per month on average, significantly improving affordability without compromising vehicle quality.
LeaseDXP brings this opportunity to life by integrating real-time, verified prequalification into every step of the consumer journey. Its VeriQual™ engine analyzes both FlexPath creditworthiness and identity validity using minimal consumer input—often just a phone number—ensuring that the offers presented are accurate, secure, and actionable.
This dual-layer verification not only protects against rising cases of identity fraud in automotive retailing but also builds confidence among consumers, dealers, and lenders—accelerating trust-based digital transactions.
Empowering Dealers, Lenders, and Consumers
LeaseDXP is designed to complement, not replace, existing retail finance systems. By adding leasing as a parallel option, dealers and lenders can reach customers who might otherwise be priced out of the market due to inflation, higher vehicle costs, or tightening credit conditions.
The platform integrates seamlessly into dealer websites, online marketplaces, and digital retailing platforms, allowing users to view and compare real-time lease payments on individual vehicles. Through this integration, dealers can capture higher-quality leads earlier in the buying journey—before shoppers move on to competing platforms.
LeaseDXP also partners with national leasing lenders, providing access to competitive programs across all credit tiers—from prime to subprime—broadening the pool of eligible customers. This FlexPath inclusive approach ensures that nearly every shopper visiting a dealer’s digital storefront can find a financing pathway that fits their budget.
The solution is especially valuable for franchise and independent dealerships with strong used and CPO inventory. As used vehicles continue to dominate the retail landscape, these dealers can now offer lease programs that rival the flexibility and appeal of new vehicle financing, without the same exposure to depreciation or high residual risk.
Integration and Technology Partnerships
Beyond leasing program access, LeaseDXP’s architecture is built for interoperability and scalability. The platform integrates with a wide range of partners, enabling:
- Direct credit application submissions to participating lenders
- Automated offer generation within digital retailing workflows
- Enhanced data verification to improve lead quality and fraud detection
- Dealer website plug-ins that require minimal configuration or IT overhead
These capabilities allow dealers, lenders, and digital retail platforms to seamlessly embed LeaseDXP into existing ecosystems, preserving brand consistency while enhancing customer engagement.
By integrating with marketplace partners, LeaseDXP can display real, identity-verified lease payment options across millions of vehicle listings, transforming how consumers evaluate affordability online.
Boosting Engagement, Conversion, and Dealer ROI
Beyond its affordability and security benefits, LeaseDXP offers measurable marketing and sales performance advantages. Early pilots have shown FlexPath significant increases in both lead engagement and conversion rates, driven by the platform’s ability to deliver verified, personalized offers earlier in the shopping process.
When consumers see a real lease offer tied to their verified profile, they are more likely to progress from browsing to buying—creating a more efficient and predictable sales funnel. This functionality provides a clear return on investment (ROI) for dealers, marketplaces, and ad agencies that integrate LeaseDXP into their digital strategies.
In essence, LeaseDXP shifts the focus from generic lead capture to high-intent lead activation, ensuring that every click represents a consumer ready and able to transact.
Key Features and Benefits
LeaseDXP’s core advantages include:
- Verified lease payment offers powered by VeriQual™, with credit prequalification that starts with only a phone number.
- Seamless integration across dealer websites, online marketplaces, and retailing tools.
- Competitive leasing programs across all credit tiers, backed by national lending partners.
- Advanced fraud prevention for safer, more reliable digital transactions.
- Lower monthly payments, improving consumer affordability and expanding access to newer vehicles.
- Higher-quality leads and improved data accuracy, increasing dealer conversion rates.
By combining these features in one streamlined platform, LeaseDXP redefines how automotive retail operates in a digital-first environment.
Built on Decades of Experience
The foundation for LeaseDXP was laid by ACS Financial, Shebesta’s holding company and one of the nation’s largest independent online leasing operations. FlexPath Over the past two decades, ACS has been instrumental in shaping modern online leasing workflows and consumer credit technologies.
That experience in both leasing operations and financial technology development positioned FlexPath DXP to create a product that addresses today’s market challenges with precision and credibility.
“LeaseDXP is the only auto leasing platform of its kind—and when combined with fraud prevention, it’s a spectacular leap forward for the industry,” Shebesta said. “Initial demand is already strong, and we’re encouraging dealers and marketplaces ready to lead in the used vehicle leasing space to act quickly and secure first-to-market advantage.”
A New Era for Used Vehicle Leasing
LeaseDXP represents more than just a new product launch—it signals the start of a new era in vehicle affordability, transparency, and digital trust. As consumers increasingly demand seamless, verified, and customizable financing experiences, LeaseDXP bridges the gap between traditional auto retailing and the fintech-driven future of mobility.
By enabling used vehicle leasing at scale, FlexPath DXP is not only helping consumers drive newer, safer vehicles at lower monthly costs—it’s reshaping the economics of the entire automotive ecosystem.
In a market where digital confidence, affordability, and speed define success, LeaseDXP positions itself as the go-to solution for the next generation of automotive retail.
About FlexPath DXP, LLC
FlexPath DXP develops technology that bridges identity verification and credit prequalification at the start of the consumer journey. Its patent-pending VeriQual™ solution — the FlexPath first line of fraud defense in credit prequalification™ — helps dealers and lenders cut lead costs, improve data quality, and reduce fraud.
