---
schema_version: "1"
id: 249d3f03ea14ef1bafbc3a4b8b7453df5d961c05287697b493375e7af4877d33
title: Create or Clone Automotive Loan and Lease Proposals
collection: admin
version: current
locale: en-us
portal_url: https://docs.salesforce.com/admin/current/en-us/ind/264-0-0/auto_finance_lending_underwriter_create_stipulations.md
canonical_url: https://help.salesforce.com/s/articleView?id=ind.auto_finance_lending_underwriter_create_stipulations.htm&release=264.0.0&type=5
source_site: help.salesforce.com
content_type: documentation
content_hash: 241d25ba6b8e0ba2e447ca58fe362075ca982d4d4e7b925c04ce14e0788c84cc
description: Underwriters can create proposals and send them to dealers and customers for review before the final proposal is accepted. To improve the chances of acceptance, or to guide customers and dealers on how to redesign the terms of a loan or lease, underwriters can add stipulations to a proposal. Stipulations help dealers and customers renegotiate the proposal based on the underwriters’ suggestions and can also be used for conditional approvals. Underwriters can also clone existing proposals to quickly modify the terms.
products:
  - Automotive
release: "264"
---
# Create or Clone Automotive Loan and Lease Proposals

Underwriters can create proposals and send them to dealers and customers for review before the final proposal is accepted. To improve the chances of acceptance, or to guide customers and dealers on how to redesign the terms of a loan or lease, underwriters can add stipulations to a proposal. Stipulations help dealers and customers renegotiate the proposal based on the underwriters’ suggestions and can also be used for conditional approvals. Underwriters can also clone existing proposals to quickly modify the terms.

### Required Editions

<table class="slds-table slds-table_bordered slds-max-medium-table_stacked slds-m-bottom_small edition"><colgroup><col></colgroup><tbody><tr class=""><td class="slds-cell-wrap" style="vertical-align:top;">Available in: <strong>Enterprise</strong>, <strong>Unlimited</strong>, and <strong>Developer</strong> Editions.</td></tr></tbody></table>

<table class="slds-table slds-table_bordered slds-max-medium-table_stacked slds-m-bottom_small permission">
        <colgroup>
          <col style="width:50%">
          <col style="width:50%">
        </colgroup>
        <thead class="slds-text-title_caps ">
          <tr class="">
            <th scope="colgroup" class="slds-cell-wrap" colspan="2" style="text-align:center;vertical-align:top;" id="d132856e63">User Permissions Needed</th>
          </tr>
        </thead>
        <tbody>
          <tr class="">
            <td data-label="User Permissions Needed" class="slds-cell-wrap" style="vertical-align:top;" headers="d132856e63 ">To create stipulations:</td>

            <td class="slds-cell-wrap" style="vertical-align:top;" headers="d132856e63 ">Vehicle and Asset Lending permission set</td>

          </tr>
        </tbody>
      </table>

Make sure all stipulations are added as Term records in the org. See [Configure Stipulations for Vehicle Loans and Leases](https://help.salesforce.com/s/articleView?id=ind.auto_finance_lending_create_terms.htm&type=5&language=en_US).

1. From the App Launcher, find and select **Vehicle & Asset Lending Console**.
2. Go to the **Application Form Products** tab.
3. On the list view page, select a record.
4. Go to the **Proposals** tab.
    
    All proposals that are either active and in Prequalified or Final stage, or inactive and in the Final stage are displayed. Only inactive prequalified proposals are not displayed.
5. To create a proposal, click **New Proposal**.
    1. Enter the recommended loan or lease amount.
    2. Select the term of the loan or lease.
    3. Enter the interest rate of the loan or lease.
    4. Click **Next**.
    5. Click **Add** for all the stipulations you want to relate to the proposal.
    6. Click **Next**.
    7. For each stipulation, add a description that helps the dealers add customers get additional information.
    8. Click **Next**.
    9. Review the details and click **Submit**.
        
        A new proposal is automatically created and you can see the details on the Proposals tab.
6. To reuse a existing proposal and modify selective details, click **Clone** on a proposal card on the Proposals tab.
    
    All information is prefilled in the guided flow but you can modify the amount, term, interest rate, or add stipulations and change the descriptions for the stipulations. A new proposal is created in an active state and in the Pre-Qual stage.