n the current market of analysis of market forecasts, there are models whose level of confidence are not necessary to be used in the vehicle credit market and this is because it is a market with many external and internal variables to analyze, for which the present project is with the purpose of generating an application that can determine the demand of credit of vehicle in the Colombian market of reliable way for the companies of Outsourcing that present the commercial service of sale of credit of vehicle to the banking entities , supported by an algorithm that mixes, Quasi type 2 diffuse Markov chains, Winters-Hold forecast and expert panels to analyze qualitative variables, using diffuse Markov chains (used to know the stable states of internal and external variables of the vehicle credit market), with the stable states of the variables Winters-Holt is implemented to know the values ​​of the vehicle market, this application will be marketed and supported by a team of integrating work, economists and engineers with knowledge in the credit market and fuzzy logic.