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 | Get a list of lenders that provide payoff quotes |
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:
[
{
"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"
}
]
}
...
]
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:
{
"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:
{
"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
}