Below is a practical, categorized list of widely used fintech platforms and solution providers for mobility financing (auto, subscription, fleet, micromobility and point‑of‑sale financing). Short notes on what each does and when to consider them are included so you can match a platform to your use case.

Dealer / OEM digital retailing & lender-aggregation

• AutoFi — End-to-end digital retailing and Lending-as-a-Service (LaaS) for dealers, OEMs and online marketplaces; routes credit apps to many lenders and supports eContracting and embedded finance. Good if you need a turnkey online car‑buying + finance flow or APIs to embed financing offers. (AutoFi.ca)
• RouteOne — Longstanding dealer/OEM F&I network and eContracting/credit-submission platform that connects thousands of dealers to major finance sources (used for online and in-store credit decisions). Ideal when you must work with multiple finance sources and need industry-standard dealer workflows. (RouteOne.com)

Consumer-facing auto lenders & fintech lenders

• Affirm / BNPL providers — Affirm (and similar BNPLs) have expanded capital capacity and are used for consumer installment financing across many merchant categories; they’re useful for point-of-sale vehicle add-ons, some consumer EV or micromobility purchases, and higher-flexibility consumer loans. Consider when you want a simple consumer-pay-later option or to offer instant installment terms at checkout. (investopedia.com)
• Upgrade / SoFi / LightStream and other fintech lenders — Growing entrant fintechs offering unsecured and auto loan products; some have dealer partnerships to originate auto loans and broaden consumer financing options. Good when you want competitive rate products and fast digital underwriting. (en.wikipedia.org)

Subscription & fleet / mobility-as-a-service platforms

• Clutch Technologies — Platform powering dealer- and OEM-branded vehicle subscription programs (white label subscription management, insurance/maintenance bundles, customer swaps). Use when building a subscription offering or OEM/dealer pilot. (automotive-fleet.com)
• Flexdrive and similar subscription operators — Offer turnkey subscription operations (vehicle sourcing, subscription billing, operations) used by dealers and OEMs. Consider if you need a full operational subscription stack rather than building in-house. (moneycrashers.com)
• LeasePlan / ALD / fleet lenders and fleet-fintechs — For corporate fleets, electrification programs and long‑term fleet funding, look to large fleet lessors / fleet finance specialists that now offer embedded fintech services (telemetry-linked financing, EV leasing packages).

Point-of-sale (POS) and repair / services financing

• Sunbit / Financeit / similar POS lenders — POS installment financing focused on auto repairs, parts, dealer service and related purchases; good to increase service AOV and convert more repair orders to financed payments. (en.wikipedia.org)

Micromobility and emerging-market asset financing

• Specialist asset-finance providers (M-KOPA-like models, local fintechs) — In emerging markets many mobility use cases (electric motorbikes, battery‑swap, scooters) are financed via pay-as-you-go / asset-finance fintechs that embed mobile payments and battery-leasing. Choose local/regional partners with experience in last‑mile mobility distribution and mobile‑money integrations. (en.wikipedia.org)

How to pick the best platform (short checklist)

• Use case: dealer digital retail vs consumer direct loans vs subscription vs fleet vs micromobility asset financing. Platforms are specialized.
• Distribution & integrations: does it connect to the lenders/partners you need (banks, captives, insurers, dealer systems, payment rails, mobile money)?
• Regulatory / compliance: eContracting, identity verification, F&I compliance and state licensing matter for vehicle loans.
• Capital / funding model: does the provider buy/warehouse loans, provide lending capital partnerships, or only provide software (LaaS vs pure SaaS)?
• Operational support: for subscriptions and fleet you’ll likely need vehicle sourcing, insurance, maintenance and remarketing support (not just a loan API).
• Margins & pricing: compare fee structures (per‑deal fees, revenue share, servicing costs).

Next steps (practical)

• If you’re a dealer or OEM: evaluate AutoFi and RouteOne first for digital retailing + lender access; consider Clutch/Flexdrive for subscriptions. (AutoFi and RouteOne are commonly used by major dealers/OEMs.) (AutoFi.ca)
• If you’re building consumer checkout financing or BNPL for vehicle accessories/services: shortlist Affirm, Sunbit and fintech lenders with capital partnerships. (investopedia.com)
• If you’re launching a vehicle subscription or fleet EV program: evaluate Clutch, Flexdrive and large fleet lessors for full operational capability. (automotive-fleet.com)

If you’d like, I can:

• narrow this to one mobility category (e.g., OEM/dealer digital retailing, micromobility operators, or fleet electrification) and give a ranked shortlist with pros/cons and pricing models; or
• produce a vendor-evaluation checklist (RFP template) you can use to compare 3–5 providers.

Which of those next actions would you prefer?