For lenders, lessors and loan tech
Know the collateral before you fund the loan
Run the VIN against active liens, theft records and title brands, then pull a loan value for the same vehicle. Official sources in three countries.
- Check for an active lien before funding
- See theft records from official sources
- Pull a loan value for the same VIN
Pay only for successful API calls · Free sandbox
Scale and reliability
Running in production today
One VIN, checked for liens, brands and collateral value.
- 99.9%
- API uptime
- 275M+
- Vehicle records
- 500M+
- API calls per month
- 50+
- Countries covered
Platform reliability
Coverage depth
Proven at scale
Plate and VIN lookups
Use cases
Before you fund the loan
Origination, portfolio review and recovery all turn on the same three questions.
Lien and title checks
Confirm nobody else holds a claim on the vehicle before the money moves.
Collateral valuation
Loan value for the VIN, adjusted for mileage, not a book figure for the model.
Portfolio review
Re-run VINs already on the book to catch a brand or odometer event after funding.
Capabilities
Collateral facts you can act on
Four endpoints cover liens, title brands, valuation and the vehicle itself.
Active lien records
Check a VIN for active liens against official sources in three countries.
Theft records
The same call returns theft records, so a stolen unit is caught before funding.
Loan and trade-in value
Market Value names loan value and trade-in value as fields, not just retail.
Undisclosed lien brands
Brand records flag undisclosed lien, flood and collision, with date and location.
Enterprise
Lending desks at volume
Batch the book overnight, keep one schema, and pay only for calls that return data.
One check per funding
Lien and theft come back together, so it is one call in the funding path.
Key benefit
No second vendor to add to the stipulation list.
Three-country coverage
Lien and theft records cover the United States, Canada and Mexico.
Key benefit
Cross-border paper does not need a second provider.
Evidence you can keep
Store the JSON response with the loan file as a record of what was checked.
Key benefit
An audit can see the check that ran and the day it ran.
Implementation
How it works
Four steps to a working lending integration, with or without engineers.
- 1
Get a sandbox key
Sign up with a work email. 100 calls, no credit card, no sales call.
- 2
Pick how you connect
REST and JSON, official SDKs, MCP, Snowflake, n8n or Zapier. See integrations.
- 3
Call the endpoints you need
For lending, that is Lien and Theft Check, Market Value and Vehicle History.
- 4
Map the fields once
Field names are stable and documented, so your loan system maps them once.
Products
The endpoints a loan file needs
Coverage differs by country on two of these five. The reference says which.
Lien & Theft Check
Active lien and theft records for a VIN.
Market Value
Value a vehicle by condition tier. US and Canada.
Vehicle History
Title events and odometer records for a VIN.
Specifications
Retrieve detailed attributes for identified vehicles.
International VIN Decoder
Decode a VIN across 50+ countries.
Security and compliance
Enterprise-grade security
Vehicle data is handled to the standards your compliance team expects.
- SOC 2 Type II
- Certified
- GDPR
- Ready
- ISO 27001
- In progress
- 256-bit SSL
- Encryption
FAQ
Frequently asked questions
Not answered here? Contact us and we'll point you at the right endpoint.
More industries
The same platform, nine industries
CarsXE across the automotive ecosystem
Dealership
Build recall, equity and trade-in tools on licensed vehicle data.
Insurance
Quote, underwrite and settle claims on verified vehicle data.
Rental
Identify, ground and resell rental vehicles from one record.
Repair
Decode trouble codes and confirm fitment before the car is on the lift.
Warranty services
Screen eligibility and settle warranty claims from one record.
Auto tech startup
Ship vehicle features without building a data pipeline first.
Fleet management
Vehicle records for every VIN in a fleet, without telematics.
Parking and valet
Identify vehicles at gates, valet stands, and parking apps.
Get started
Start building today
Test drive the CarsXE platform. Sign up with your work email and start on the free sandbox. No credit card required.
