Car buying without the haggle, the paperwork, or the wait.
Buying a car mid-term is a slow, fragmented process built on paperwork and negotiation. Payment Swap's thesis was simple - that doesn't have to be true. Match by monthly payment, approve finance digitally, collect the car the same day.
They needed a platform that wired together stock, finance approvals, and a consumer-grade buying experience, and that dealers and finance partners could plug into without friction.
- 100k+
- cars for sale
- 20+
- Finance partners integrated
- 5★
- Star TrustPilot rating
A mid-term car-buying marketplace on OutSystems.
Match by monthly payment. Drivers find a vehicle by what they're paying today, not by stock filters that don't map to their actual budget.
Digital finance approvals. Finance applications, approvals and contracting handled in the flow, with the major providers integrated upfront.
Mobile-first consumer experience. Built for the way people actually shop, phone in hand, on the bus, in the kitchen.
Live dealer stock. Dealers upload directly. Stock stays current without manual sync.
Finance partners integrated. Northridge Finance, DSG Financial Services and Aviva wired in to support the originations flow.
Sub-20-minute collection. The platform exists for the moment after the click, the bit where most buying flows break down.
“The experience from start to finish was fantastic, and the consumer website is one of a kind.”
Concept to live beta on a low-code stack.
Payment Swap moved from concept to live beta on OutSystems, fast enough to test the model in market and iterate, structured enough to take on additional dealers and finance partners as the platform scales.
