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Overview

The Payments Data API provides detailed information about vehicle financing options based on a given Vehicle Identification Number (VIN). It helps users calculate monthly payment estimates, taxes, fees, and other financial details related to vehicle purchases.

CapabilitiesDescription
Retrieve Loan DetailsGet loan amount, monthly payments, and interest rates.
Calculate Taxes and FeesProvides detailed breakdown of applicable taxes and fees based on the purchase location and vehicle price.
Adjustable Loan ParametersAllows users to specify loan term, down payment, trade-in value, and interest rates to customize the financial outcomes.
Geographical SpecificsAdjust results based on zip code for local tax and fee accuracy.

{
  "vehicle": {
    "vin": "1C4RJFAG0FC625797",
    "year": "2015",
    "make": "Jeep",
    "model": "Grand Cherokee"
  },
  "criteria": {
    "price": "25000",
    "zip": "55414",
    "docFee": 200,
    "tradeIn": "0"
  },
  "paymentsData": {
    "loanAmount": 21952.49,
    "loanMonthlyPayment": 363.83,
    "loanMonthlyPaymentWithTaxes": 399.35,
    "totalTaxesAndFees": 1952.49,
    "taxes": {
      "combinedSalesTax": 1625,
      "stateSalesTax": 1625,
      "gasGuzzlerTax": 0
    },
    "fees": {
      "titleFee": 8.25,
      "registrationFee": 70.99,
      "dmvFee": 48.25,
      "combinedFees": 327.49,
      "docFee": 200,
      "dmvFees": {
        "Filing Fee": 7,
        "License Plate Fee": 15.5,
        "Public Safety Vehicle Fee": 3.5,
        "Technology Fee": 2.25,
        "Wheelage Tax": 20
      }
    },
    "calculationCriteria": {
      "numberOfMonths": 60,
      "financeRate": 3.5,
      "downPayment": 5000,
      "tradeIn": 0,
      "tradeInOwedAmount": 0,
      "salesPrice": 25000,
      "conditionalIncentiveAmount": 0,
      "primaryIncentiveAmount": 0,
      "docFee": 200,
      "zipCode": "55414",
      "styleId": 200701040,
      "marketValue": 25000,
      "withConcreteTaxesAndFees": true,
      "applyLimits": true,
      "msrp": 25000,
      "lowerLimit": false
    },
    "limitCriteria": {
      "limitPercentage": 70,
      "limitPrice": 25000,
      "limits": []
    }
  },
  "apr": {
    "36": 9.25,
    "48": 9.25,
    "60": 9.25,
    "72": 9.25,
    "84": 9.25
  },
  "totalTaxesAndFees": 1952.49,
  "taxes": {
    "combinedSalesTax": 1625,
    "stateSalesTax": 1625,
    "gasGuzzlerTax": 0
  },
  "fees": {
    "titleFee": 8.25,
    "registrationFee": 70.99,
    "dmvFee": 48.25,
    "combinedFees": 327.49,
    "docFee": 200,
    "dmvFees": {
      "Filing Fee": 7,
      "License Plate Fee": 15.5,
      "Public Safety Vehicle Fee": 3.5,
      "Technology Fee": 2.25,
      "Wheelage Tax": 20
    }
  }
}

While the Payments API offers precise data, users should verify the information before making any decisions that can impact sales, taxes, or other financial decisions.

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Next Steps

Review the API reference for the Payments API

Reference – Payments

Explore the Payments API endpoint and parameters.