Virtual Gap a product of The Virtual Lending Source, LLC (VLS) an automotive finance & finance technology services company specializing in the generation of indirect prime and subprime auto loans through automobile dealers nationwide. A former subsidiary of Telnform, one of the nation’s largest electronic lead generation companies, VLS also provides dealers with financial products, such as Virtual GAP (Guaranteed Asset Protection in the form of a deficiency balance waiver) and VLS Direct (direct mail programs).

VLS stays on the cutting edge, using the latest technology to combine lead generation, credit reporting, credit analysis, electronic application submission, funding, financial products and direct mail campaigns, all from a centralized service center in San Diego, CA, and accessed through the World Wide Web. Our technology allows the data to be generated, filtered, and processed to identify qualified customers, pair them with the appropriate vehicle, and provide instant credit approvals, all through web-based technology. Furthermore, this technology allows the dealer to track the response and/or progress of specific applications, through credit, funding, claims, and lead sources.

VLS has provided financial products and technological services to independent and franchised automobile dealers as well as banks, finance companies and credit unions in 46 states, since 2000.