Interest Rates API

Current used-auto loan APRs for 36, 48, 60, 72 and 84-month terms, from the vehicle's age and mileage, a ZIP code and a credit score.

The vehicle is decoded from the VIN; its model year sets the default age and mileage. Rates depend only on age, mileage, ZIP code and credit score, so two vehicles of the same age and mileage get the same rates whatever their make or model. They are auto-loan rates: an RV, motorcycle or trailer is quoted what a car of the same age would be.

Endpoint

GET https://api.auto.dev/apr/{vin}

View in Browser

https://api.auto.dev/apr/1C4HJXEN5MW592818?zip=37129&creditScore=720&vehicleAge=3&vehicleMileage=36000

Parameters

Path Parameters

Query Parameters

Example Request

curl -X GET "https://api.auto.dev/apr/1C4HJXEN5MW592818?zip=37129&creditScore=720&vehicleAge=3&vehicleMileage=36000" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json"

Response Structure

Example Response

{
  "vehicle": {
    "vin": "1C4HJXEN5MW592818",
    "year": 2021,
    "make": "Jeep",
    "model": "Wrangler Unlimited"
  },
  "ambiguous": true,
  "years": [2021],
  "zip": "37129",
  "creditScore": "720",
  "vehicleAge": 3,
  "vehicleMileage": 36000,
  "apr": {
    "36": 7.644,
    "48": 7.644,
    "60": 7.524,
    "72": 7.663,
    "84": 8.263
  }
}

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": "/apr/123Invalid",
  "requestId": "a1b2c3d4e5f6g7h8"
}

Interactive API Reference

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