"From Repo Lot
to Bank/Lender Lot
With Keys in Hand”
Your all-in-one platform connecting Repossession Companies with Certified Locksmiths, powered by automation and precision.
What Is RepoKey?
RepoKey is the first On-Demand Vehicle Key Replacement Network App built for the Repossession and Asset Recovery industry.
We help Repo Companies hand vehicles back to banks/lenders with keys already cut and programmed, without ever managing locksmiths, VIN codes, or OEM tools.
Repo Companies & Locksmiths:
Join Free — No Membership Fees, Ever
How It Works
Step Process What Happens
1️⃣ Request Submit vehicle info (VIN, location, urgency) in the RepoKey portal. The system validates the VIN and dispatches instantly.
2️⃣ Match Our AI assigns the nearest certified locksmith. Only verified NASTF locksmiths receive orders.
3️⃣ Cut & Program Locksmith cuts, programs, and uploads proof photos/video. You see live updates, ETA, and job status in your dashboard.
4️⃣ Delivery & Proof The repo company verifies that the key operates correctly, that the vehicle starts, and that it has been successfully unlocked. RepoKey invoices the repo company and pays the locksmith automatically.
Results
1. Repossession completed faster.
2. Vehicles leave your lot with working keys.
3. No coding tools, no risk, no waiting.
Why RepoKey Exists?
The Problem
a) 60% of recovered vehicles arrive without keys.
b) Repo agents lose time coordinating locksmiths.
c) Cutting keys requires OEM subscriptions, high-cost tools, and compliance risk.
d) Banks delay payments until vehicles are key-ready.
The Solution
RepoKey gives repo companies a turnkey way to:
1. Request any key type 24/7 (mechanical, transponder, flip, smart, premium Euro).
2. Track locksmiths in real time.
3. Add your own markup before invoicing the bank.
4. Automate payments and compliance — hands-free.
For Whom
Repossession Companies
“Keys ready before the lender even asks.”
1. Faster turnover, faster payouts.
2. No OEM software or key-cutting machines.
3. One invoice per lot — automated.
For Whom
Locksmiths
“Cut more keys without chasing customers.”
1. Verified jobs, VIN-validated orders only.
2. Work when you want — skip travel-heavy retail calls or slow days at the shop.
2. Zero marketing or bidding — just steady work.
About RepoKey
"Connecting Repossession Companies and Locksmiths — Seamlessly"
In 2023, RepoKey was founded on one simple truth: most repossession companies lose valuable time and profit waiting for car keys.
Every day, thousands of recovered vehicles sit idle — not because of paperwork or logistics, but because no one can start them.
RepoKey changes that.
We built a smart, automated platform that bridges the gap between repossession companies and certified locksmiths, ensuring every recovered vehicle is delivered key-ready — faster, easier, and more profitable.
Testimonials
Luis Caballero
Asset Recovery
Miami FL
“Finally, a platform that understands repossession workflows. RepoKey changed how we handle keys completely.”
Justin Ditmore
Asset Recovery
Tampa FL
“RepoKey cut our key turnaround from 7 days to 48 hours. We bill banks faster and move cars out of storage.”
Charles Rivera
Certified Locksmith
Orlando, FL
“RepoKey sends me steady work — no phone calls, no chasing payments. I just focus on what I do best: cutting and programming keys.”
FAQs
"Get quick, straightforward answers to the most common questions.”
What is RepoKey?
RepoKey is a service arbitrage platform that connects repossession companies with certified locksmiths. We handle key cutting and programming for repossessed vehicles — so you can return every car to the bank with working keys and get paid faster.
Do Repo Companies need to buy equipment or software?
No. RepoKey is fully managed in the cloud — no programming tools or code retrieval software needed. You simply submit requests from your phone or desktop.
Can repos mark up the key cost to the bank/lender?
Yes. RepoKey is designed for service arbitrage — you can apply your markup before billing the lender. The platform gives you a transparent cost breakdown for easy invoicing.
Who can join the RepoKey Locksmith Network?
Any locksmith with valid NASTF credentials, professional key-cutting equipment, and proper insurance coverage. We verify every technician before assigning jobs.
How does RepoKey verify locksmith credentials?
Each locksmith must upload:
-A valid NASTF certificate
-Driver license
-Business license & insurance
-Photo ID verification
-RepoKey verifies all credentials before activation and revalidates them annually.
Can RepoKey handle repos in multiple states?
Yes. We can manage repos across multiple states within a single dashboard.
The system automatically routes each key request to the nearest certified locksmith in that state.
Can locksmiths work for multiple networks?
Yes. Locksmiths remain independent contractors. RepoKey simply prioritizes verified, high-rating partners with the best completion rates.
How do locksmiths receive jobs?
Jobs appear automatically in your RepoKey App and website based on the service area. Each request includes VIN, vehicle location, key type, and payout amount. You can accept or decline jobs instantly.
Is there a membership fee for the Repo or Locksmith?
There’s no membership fee to join RepoKey for the Repo Company or Locksmith.
What if the vehicle is in a secured storage yard?
RepoKey coordinates directly with repo agents or storage lot managers.
Locksmiths receive access instructions or gate codes as part of the order notes — keeping everything logged for compliance.
What happens if a locksmith damages a vehicle?
RepoKey requires all locksmiths to carry active liability coverage.
If a verified incident occurs, locksmith's insurance process will handle the claim and protect both repo companies and lenders.
Is RepoKey compliant with lender privacy requirements?
Yes. All data (VINs, vehicle photos, documents) are encrypted using AES-256 and stored securely on U.S.-based servers. RepoKey meets FDCPA and Gramm-Leach-Bliley privacy standards.
What payment methods can repo companies use?
Repo companies can pay via:
-Credit/debit card
-ACH transfer
Who owns the customer relationship — RepoKey or the Repo Company?
RepoKey acts as the intermediary service provider — repo companies remain the customer of record with their lenders. RepoKey ensures transparent documentation, proof, and secure transactions between all parties.