LMN & Associates, is America's leading national distributor of iPAY/On Time Payment Protection Technology, starter interrupt devices that are Changing Behavior Through Technology. Learn how iPAY/OnTime works, why you use iPAY/OnTime and how iPAY/OnTime differs from the competition.

Why use iPAY/OnTime?

95-98% of iPAY/OnTime customers make their car payments in a timely manner!

INCREASE SALES:
More customers can qualify for purchases and finance programs because the dealer / finance company now has payment protection.

HIGH CUSTOMER SATISFACTION:
Car buyers can now be given the opportunity to re-establish credit history and qualify for lower interest loans.

PAYMENT SECURITY:
With iPAY/OnTime, you have more control over customer payments because you control if the car can be used.

RELIABILITY:
The patented iPAY/OnTime system is manufactured under ISO 9001:2000 Quality Standards and does not affect factory warranty.

SAFETY:
The courts have ruled, "consumers are safe with the iPAY/OnTime device." Emergency codes ensure the customer will not be stranded.

REWARD GOOD CREDIT BEHAVIOR:
The iPAY/OnTime system teaches good credit behavior; it actually changes customer behavior through technology.

How iPAY/OnTime Differs
iPAY/OnTime is the worldwide leader in legal automotive payment protection systems. iPAY/OnTime offers a complete system, not just a device.

iPAY/OnTime Benefits:

PROACTIVE - not reactive

INCREASES CASH FLOW 29 - 38 %

REDUCES REPOSSESSION LOSS by 50 %

TAMPER-PROOF

CUSTOMIZABLE

COMPLETE COLLECTION SYSTEM

HAS FIVE US PATENTS

How iPAY/OnTime Works
The iPAY/OnTime system is a legal electronic payment protection unit that uses microprocessor-based technology to turn credit-challenged prospects into paying customers who pay in a timely manner. iPAY/OnTime will remind the vehicle operator when payments are due, and it will disable the vehicle if payments are not made.

The Key Pad system (right) visually reminds customers of their payment status.

An LED will flash green to confirm when payments are current. When a payment is due, the flashing LED will turn yellow, and the customer will be aware that a payment must be made.

3 days before the vehicle is disabled, the number 3 on the key pad will flash, reminding the customer that he/she is on their final 3 days.

2 days before the vehicle is disabled, the number 2 on the key pad will flash, reminding the customer that he/she is on their final 2 days.

1 day before the vehicle is disabled, the number 1 on the key pad will flash and the device will beep. This reminds the customer that they are on their last day; within a 24 hour period, the vehicle will not start.

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