Overview

This guide outlines the standard four-step process for configuring any ancillary product (GAP, Debt Protection, VPP, MBP, or DPW) within the Glide Digital Loan Application.

Getting Started: The Ancillary Products Overview

When you first enter the configuration area, you will be presented with a high-level overview of your available add-on products. This screen serves as your central hub for managing loan protections.

• Accessing the Menu: Navigate to the Digital Loan Application section in the sidebar and select Ancillary Products.

• Product List: Here you can see all current products, such as GAP, Debt Protection, VPP, MBP/MBI (Warranty), and DPW (Depreciation Protection).

• Status Indicators: The Status column quickly shows which products are currently Enabled and visible to potential borrowers.

• Search Functionality: Use the Search products... bar at the top to quickly find a specific product if your list grows.

Once you click into a specific product from the main list, the configuration process follows a standardized four-step structure across all offerings:

1. Product Details & Branding

Define how the product appears to your borrowers in the application interface.

• Enable Product: Use the master toggle to turn the specific offering on or off for all eligible applications.

• Product Name & Description: Customize the title (e.g., "GAP") and provide a clear explanation of the benefits for the borrower.

• Product Icon: Select a visual identifier (like a car or shield icon) to represent the product in the UI.

2. Visibility & Automation

Control when the product is shown and how it is added to the loan.

• Loan Type Visibility: Restrict the product to specific loan types, such as Auto Loans or Personal Loans. Further filtering by vehicle categories is available in the Vehicle Exclusions section described below.

• Auto-Select: Choose whether the product is automatically pre-selected for the borrower once they meet the eligibility criteria.

3. General Exclusions (Borrower & Loan)

Set the primary "guardrails" for eligibility based on the borrower and the loan terms.

• Loan Amount: Set a Maximum Loan Amount (e.g., $25,000) for coverage eligibility.

• Geography: Use Blocked States to exclude specific regions due to regulatory or licensing restrictions.

• Borrower Age: Define a Minimum and Maximum Borrower Age (e.g., 18 to 75 years).

4. Vehicle & Financing Exclusions

For collateral-based products, ensure coverage is only offered for qualified assets.

• Vehicle Specifications: Set limits for Vehicle Age, Odometer Thresholds, and Excluded Vehicle Types.

• Loan-to-Value (LTV): Define the eligible Minimum and Maximum LTV% (e.g., 10% to 120%).

• Financing & Manufacturers: Exclude specific financing types or certain vehicle makes from coverage.

5. Pricing/Quote

Configure how pricing is calculated and shown to the user

• Pricing Type

  • Custom Pricing - Configure pricing manually

  • Hide Pricing - Users will not see an estimated price

  • Third-Party Quote - Pull a live quote from your insurance provider

    • After selecting this option, you will need to select the provider under the Quote Provider option that will appear.

• Custom Pricing Configuration

  

  • Step 1: Choose your cost structure (flat fee or per $1000)

  • Step 2: Add one or more plans

  • Step 3: Plan Configuration

    • Plan title - This is the title that will show to users

    • Plan Description - Will be shown to users for that plan

    • Pricing

      • Flat Fee - Enter the total cost of the plan

      • Per $1000 - Enter the primary and co-borrower cost per $1000 (see below for more details on how per $1000 costs are calculated)

    • Loan Type Visibility - Customize which loan types, categories and/or sub-categories the plan appears for.

Saving

• Save: Click the Save button at the top right to store your configuration changes.

Per $1000 Calculations

For a single borrower, we will calculate the maximum monthly payment as:

Cost/$1K/mo * Loan Amount / 1000

For applications with co-borrowers, we will add the 2 costs like so:

(Cost/$1K/mo + Co-Borrower Cost/$1K/mo)* Loan Amount / 1000