Embodiments of systems and methods are disclosed that manage transactions and communication between car dealers and lenders. In one embodiment, the system lessens risks for lenders and makes relationships with dealers safer and easier to administer. In one embodiment, a dealer may utilize the system to manage its inventory, obtain and manage credit history information about potential customers, help customers apply for credit, transact credit applications and credit approvals with various lenders, submit applications to multiple lenders, select from among the accepting lenders, and manage forms used to complete a transaction.