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Jul. 14th, 2025

F&I at Auto Dealerships: Top Questions Answered by EFG

Dealership profitability often hinges on the strength of your F&I department, but even high-performing teams can miss product penetration opportunities. EFG’s complimentary F&I Log Review is designed to give you clarity and actionable insights and help you MAKE MORE money. Below, we answer the most common questions about what the review includes and why it’s a must-have for forward-thinking GMs and F&I Directors.

An F&I log review is an analysis of your dealership’s Finance & Insurance (F&I) performance data, used to uncover profit leaks, assess product penetration rates, and evaluate PRU trends for smarter revenue growth.

Think of an F&I log review as a health check for your back-end profitability. At EFG, we analyze your actual deal logs, not just totals, but granular line-item data, so we can see how consistently your F&I team is presenting products, where sales are dropping off, and how your average PRU (profit per retail unit) compares to both industry benchmarks and your potential.

Here’s what’s typically included:

  • Penetration analysis of core products like VSC, GAP, and prepaid maintenance by individual deal and by F&I manager
  • Trend tracking to identify spikes, drop-offs, or inconsistencies in your PRU
  • Deal structure assessment to highlight missed upsell opportunities and payment presentation issues
  • Process benchmarking, showing where your pay plans or training cadence may be limiting success

Unlike surface-level reporting, this review lets you see not just “how much” your F&I department is selling, but how and why deals are closing the way they are. This is where most dealers uncover thousands in missed revenue and opportunities to make more money that would otherwise go unnoticed.

F&I Review with EFG

What is an F&I Log Review?

You’ll learn how your F&I products are performing, where revenue is being lost, how your team stacks up against benchmarks, and what steps can immediately improve PRU and product penetration.
An F&I log review doesn’t just show you what’s being sold, it reveals the story behind your performance numbers. Here’s what EFG helps uncover during the review:

  • Product Performance Breakdown
    Are your VSC, GAP, and ancillary products being presented on every deal? Are certain F&I managers more consistent than others? We’ll help you spot inconsistencies that impact revenue.
  • PRU Insights
    We benchmark your profit per retail unit (PRU) against regional and national averages, giving you a sense of where you’re excelling and where you’re falling short.
  • Behavioral Patterns
    Which pay plans are driving the right sales behaviors? Are certain structures encouraging short-term wins over long-term value? Our team looks for incentive alignment gaps.
  • Training Gaps & Process Issues
    Is underperformance due to a lack of skill, process flaws, or something else? We help identify whether a refresher in menu selling or updated scripting could drive better results.

This review acts like a customized roadmap. Instead of guessing how to improve F&I performance, you’ll walk away with targeted action steps to raise your team’s effectiveness and your dealership’s profitability so that you can make more money.

Take the Guesswork Out of F&I Performance, Book Your Meeting for a Complimentary F&I Log Review Today

If you’re serious about increasing profit per vehicle sold, there’s no better place to start than your own data. EFG’s complimentary F&I Log Review is a zero-pressure, high-impact way to uncover the insights your team needs to perform at their best.

Whether you’re leading a single rooftop or managing multiple locations, this review will give you clear, actionable next steps to tighten operations, boost PRU, and retain more customers.

Let’s identify the full profit potential of your F&I department, starting with the deals you’ve already done.

EFG Dealership Training – Discover comprehensive training solutions designed to elevate your team’s performance and expertise.

EFG F&I Development – Learn how strategic F&I development can transform your dealership’s profitability and customer experience.

EFG Compliance – Stay ahead of regulatory requirements with practical, straightforward compliance solutions.

Services for Retail Automotive Dealers – Explore our complete suite of services specifically tailored for automotive dealership.