> ## Documentation Index
> Fetch the complete documentation index at: https://docs.driv.ly/llms.txt
> Use this file to discover all available pages before exploring further.

# Loan Payoff Data

> Access loan payoff data for customers, including payoff amount and lenders.

## Overview

Provides loan payoff data for customers. The data includes information about the customer's loan payoff amount, lenders that provide payoff quotes, and other related information. The APIs are designed to be easy to use and integrate with other systems.

| Capabilities                           | Description                                           |
| -------------------------------------- | ----------------------------------------------------- |
| [Payoff Lenders](#find-payoff-lenders) | Get a list of lenders that provide payoff quotes      |
| [Loan Payoff](#request-loan-payoff)    | Get information about a customer's loan payoff amount |

***

## Find Payoff Lenders

There are approximately 195 lenders available to get payoff quotes from. Here is an example of the first 5 lenders:

<Accordion title="Available Lenders" defaultOpen="true">
  ```json theme={null}
  [
    {
      "name": "Central Trust Bank DBA Audrain",
      "originId": 23005735,
      "id": "F0HR42",
      "serviceOptions": [
        {
          "option": "ACC",
          "type": "InquiryType"
        },
        {
          "option": "SSNTXID",
          "type": "InquiryType"
        },
        {
          "option": "N",
          "type": "ConsumerEnabled"
        }
      ]
    },
    {
      "fsName": "Veridian Credit Union",
      "originId": 23007044,
      "id": "F0SL29",
      "serviceOptions": [
        {
          "option": "ACC",
          "type": "InquiryType"
        },
        {
          "option": "SSNTXID",
          "type": "InquiryType"
        },
        {
          "option": "VIN",
          "type": "InquiryType"
        },
        {
          "option": "N",
          "type": "ConsumerEnabled"
        }
      ]
    },
    {
      "fsName": "Regional Acceptance",
      "originId": 23002343,
      "id": "F00A14",
      "serviceOptions": [
        {
          "option": "ACC",
          "type": "InquiryType"
        },
        {
          "option": "SSNTXID",
          "type": "InquiryType"
        },
        {
          "option": "VIN",
          "type": "InquiryType"
        },
        {
          "option": "N",
          "type": "ConsumerEnabled"
        }
      ]
    },
    {
      "fsName": "Southeast Toyota Finance",
      "originId": 23003804,
      "id": "F00SET",
      "serviceOptions": [
        {
          "option": "ACC",
          "type": "InquiryType"
        },
        {
          "option": "SSNTXID",
          "type": "InquiryType"
        },
        {
          "option": "VIN",
          "type": "InquiryType"
        },
        {
          "option": "N",
          "type": "ConsumerEnabled"
        }
      ]
    },
    {
      "fsName": "Chase",
      "originId": 23001223,
      "id": "F000DE",
      "serviceOptions": [
        {
          "option": "ACC",
          "type": "InquiryType"
        },
        {
          "option": "SSNTXID",
          "type": "InquiryType"
        },
        {
          "option": "N",
          "type": "ConsumerEnabled"
        }
      ]
    }
    ...
  ]
  ```
</Accordion>

***

## Request Loan Payoff

To get the payoff amount for a customer's loan, you need to provide `vin`, `source`, and `ssn` (when required by the lender).

Here is an example of the post request body:

```json theme={null}
{
  "vin": "1FTEW1C59KKC39619",
  "source": "Chase", // fsName
  "ssn": "123-45-6789" // required by some lenders
}
```

The response will include the `nextPaymentAmount`, `nextPaymentDate`, `quote`, and `productType`. Here is an example of the response:

```json theme={null}
{
  "id": "1FTEW1C59KKC39619",
  "nextPaymentAmount": 500,
  "nextPaymentDate": "2022-01-01",
  "allowance": 0,
  "quote": {
    "grossPayOffAmount": 10000,
    "netPayOffAmount": 9500,
    "goodThrough": "2022-01-31",
    "perDiem": 10
  },
  "comments": null,
  "productType": 1
}
```