Collateral Score API
Understand the vehicle behind the loan
Bring current values, depreciation forecasts and vehicle risk signals into one API response. Give your lending team an explainable collateral assessment before funding and throughout the loan.
- Mileage and region-adjusted values
- Depreciation through loan maturity
- A–D risk tiers and suggested LTV
- Batch scoring for up to 500 vehicles
Available on request. Contact sales to enable Collateral Score for your account.
Our benefits
See collateral value, risk and the road ahead
Current and projected value
Get retail, wholesale and trade-in values adjusted for mileage and the ZIP code’s region. Project retail value at 12, 24, 36 and 48 months, plus loan maturity when supplied.
Vehicle risk signals
Check title brands, odometer anomalies, total-loss reports and open stop-sale or do-not-drive recalls. Unavailable signals remain null and appear in data_gaps.
Explainable lending guidance
Receive an A–D risk tier, suggested maximum loan-to-value, manual-review indicator and the reasons behind the recommendation. Your team retains the lending decision.
Portfolio re-scoring
Submit up to 500 vehicles in one asynchronous batch. Poll for per-vehicle results or receive a completion notification at a public HTTPS webhook.
For developers and AI agents
One request. An assessment you can inspect.
Send a VIN, mileage and US ZIP code as JSON. Add a loan term to request a maturity projection. The response shown is an illustrative excerpt; the documentation covers the full response and interactive playground.
- Explicit data gaps
- Missing history, recalls or depreciation coverage is visible in the response. Accident history is not currently assessed.
- Forecast provenance
- Inspect the model or segment curve, sample size and refresh date. Projections beyond the available curve return null rather than extrapolating.
- Single or batch
- Use a synchronous POST for one vehicle or submit a portfolio batch and retrieve its status and results by batch_id.
curl -X POST 'https://api.carsxe.com/v1/vehicle/collateral-score?key=YOUR_API_KEY' \
-H 'Content-Type: application/json' \
-d '{"vin":"3TMKB5FNXRM012539","mileage":42000,"zip":"20878","loan_term_months":48}'{
"success": true,
"vin": "3TMKB5FNXRM012539",
"current_values": {
"retail": 32000,
"wholesale": 28500,
"trade_in": 27000,
"msrp": 35000,
"confidence": "high",
"publish_date": "2026-10-01"
},
"lending_recommendation": {
"risk_tier": "A",
"suggested_max_ltv": 120,
"manual_review_recommended": false,
"reasons": [
"No risk flags raised.",
"Depreciates slower than 75% of its segment."
],
"rationale": "No risk flags raised. Depreciates slower than 75% of its segment. Not assessed: accident history.",
"confidence": "high"
},
"data_gaps": [
"accident_history"
]
}US collateral assessment
Built for US vehicle collateral
A five-digit US ZIP code sets the region for valuation adjustments. Value, title, recall and depreciation coverage can vary by vehicle; inspect confidence and data_gaps for every assessment.
United States
US
Customer stories
Companies love building with CarsXE
How teams build on CarsXE vehicle data.
“
CarsXE offers MotorTango's customers accurate and reliable vehicle data across many makes and models. Their VIN decoder and specs API are second to none.
Andy Liakos
CTO, MotorTango
“
The API is super easy to work with...it's a damn good API. And trust me, I deal with a lot of third parties and you're the creme de la creme. It's great. Documentation is sound, the result sets are sound. I have nothing to say but, man, it's too easy to work with.
Alan Deitch
Senior Engineering Leader, SpotHero
“
When a customer calls a dealership, we know they have an open recall instantly. That changes what the call is worth. Our agents book the recall alongside whatever the customer originally called about, and the dealer captures service work that used to walk out the door unnoticed. CarsXE's recall data is what makes that possible on every call, at every rooftop we run.
Samee Khan
Founder & CEO, PAM
“
With their VIN decoder and images, we can accurately document what's needed to perform repairs and ADAS calibrations, and we do it much more efficiently — saving dozens of minutes on every single repair. The result is consistent, reliable service at scale for all of our customers, backed by data we trust. CarsXE has become a critical part of our workflow and our ability to grow.
Philip Brossy
Founder & CEO, ADAS Safe
Same key, more endpoints
Keep building from the vehicle record
Workflows
Not sure which APIs you need?
Paste your company's website and we'll suggest a step-by-step workflow built from real CarsXE APIs, with a link to the docs for each one.
FAQ
Frequently asked questions
Can't find the answer you're looking for? Reach out to our customer support team.
Get started
Bring collateral assessment into your lending workflow
Available on request. Contact sales to enable Collateral Score for your account.