RIZQ gives your lending team an independent vehicle condition report before funding — a simple, plug-and-play safeguard against collateral risk on every loan you write. And you can try it completely free, on real loans, with zero strings attached.
All 50 States
Inspector Coverage
24–48 hrs
Report Turnaround
Per-Inspection
No Platform Fees
Most auto loans close on paperwork and a VIN check — not on what the vehicle actually looks like. Salvage history, undisclosed damage, and inflated condition claims can quietly inflate your loan-to-value ratio and increase default exposure. By the time it surfaces, the loan has already funded.
1 in 6
Used vehicles have undisclosed prior damage or structural repair history
$4,200+
Average gap between claimed and actual vehicle condition value on problem loans
$189–$400
Cost of a RIZQ inspection vs. thousands in potential collateral shortfall
Your team approves the loan conditionally. Before funding is finalized, a RIZQ inspection is triggered — automatically or by your team in one step.
A vetted local inspector reaches the vehicle within 24–48 hours. They document condition, identify undisclosed damage, and confirm the collateral is what the borrower says it is.
Your underwriting team receives the verified RIZQ report. Only then is the loan file complete. You fund knowing exactly what you're lending against.
No new software. No long-term commitment to start. Just a verified report before every loan closes — so you never fund blind again.
Vetted inspectors covering every market you lend in — not just your branch footprint. From rural markets to metro corridors.
Reports land in your underwriting team's inbox before the loan closes. Fast enough to never hold up funding timelines.
RIZQ has no stake in the sale. Our inspectors report condition only — no appraisals, no deal facilitation. Pure data.
Works inside your existing loan workflow with zero system integration. No new software, no new vendor complexity.
Every RIZQ inspection delivers a structured, lender-ready condition report — built for underwriting teams who need clear answers fast, not pages of jargon.
Sample Inspection Report
69EA3ABA — 2017 Ford Expedition XLT
VIN: Not Provided
Package
Standard
No Prior Undisclosed Damage — Cosmetic Issues Only
Mechanically sound. Minor cosmetic damage + non-critical EVAP code. Est. repair: $1,000.
Moderate damage to front bumper — noted in inspection summary
Minor damage observed on right front fender
Tear on driver seat — estimated ~$1,000 total repair cost
P0453 — EVAP Pressure Sensor High Input
Non-critical fault. Does not affect drivability. Recommend diagnosis before purchase.
Sample report for demonstration purposes · PDF ready for underwriting
Whether you want to test our process on a single loan or make RIZQ the standard verification step across your entire auto portfolio — there's a path that fits where you are today.
The perfect entry point. Use RIZQ on specific loans that raise a flag — private-party sales, high-value vehicles, or any deal where your team needs a second set of eyes before funding.
Integrate RIZQ as the standard "last mile" of your auto loan workflow. Every approved loan triggers an inspection before final funding — giving your team full collateral clarity on every deal you close.
The goal: No auto loan closes without RIZQ confirming the collateral. Your investment is protected at every step.
Most credit union partners start with a single inspection and move to a full program within their first quarter.
2
Free Inspections
We're offering every credit union partner 2 complimentary inspections — on real loans, with real borrowers, with the full RIZQ process — so you can see exactly what your underwriting team receives before you make any commitment. No invoices, no contracts. Just results.
Pick 2 open loan files where you'd normally fund without a physical inspection.
RIZQ deploys an inspector. You receive the full condition report within 48 hours.
If you're not impressed, you owe nothing. If you are — let's talk partnership terms.
A 15-minute call is enough to show you exactly how RIZQ fits into your process — no commitment required.