Vehicle Payments API
Detailed vehicle financing calculations including loan payments, taxes, fees, and total cost breakdown
Calculate detailed vehicle payment information including loan amounts, monthly payments, taxes, fees, and complete cost breakdowns. Get accurate financing estimates based on vehicle details, purchase price, location, and loan terms.
Endpoint
GET https://api.auto.dev/payments/{vin}Parameters
Path Parameters
| Prop | Type | Default |
|---|---|---|
vin | string | - |
Query Parameters
| Prop | Type | Default |
|---|---|---|
price | string | - |
zip | string | - |
docFee? | number | - |
tradeIn? | string | 0 |
downPayment? | number | - |
loanTerm? | number | 60 |
Example Request
curl -X GET "https://api.auto.dev/payments/1C4RJFAG0FC625797?price=25000&zip=55414&docFee=200&tradeIn=0&downPayment=5000&loanTerm=60" \
-H "Authorization: Bearer YOUR_API_KEY" \
-H "Content-Type: application/json"Response Structure
Example Response
{
"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
}
},
"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
}
}
}Use Cases
- Payment Calculators: Build interactive tools for customers to estimate monthly payments and total costs
- Dealership Finance: Calculate financing options and present payment scenarios to customers
- Auto Lending: Evaluate loan structures and payment terms for different borrower profiles
Error Responses
Invalid VIN
{
"status": 400,
"error": "VIN must be exactly 17 characters containing only letters and numbers (excluding I, O, Q)",
"code": "INVALID_VIN_FORMAT",
"path": "/payments/123Invalid",
"requestId": "a1b2c3d4e5f6g7h8"
}VIN Not Found
{
"status": 404,
"error": "No vehicle data found for the provided VIN",
"code": "VIN_NOT_FOUND",
"path": "/payments/WP0AF2A99KS165242",
"requestId": "b2c3d4e5f6g7h8i9"
}Source Error
{
"status": 503,
"error": "Payment calculation service temporarily unavailable",
"code": "SOURCE_ERROR",
"path": "/payments/1GYKPDRSXSZ102995",
"requestId": "c3d4e5f6g7h8i9j0"
}Plan Availability
- Starter: ❌ Not available
- Growth: ✅ Available
- Scale: ✅ Available
See pricing for plan details and signup.
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