Finance any car by its VIN.
Prequal. Apply. Fund.
APRs by credit band, term, and monthly for the exact VIN — every fee posted on one deal ledger before anything carries your name.
Nobody pulls your credit without you — prequal is a soft pull, no score impact. Hand the errand to an agent that works for you; you appear only where your name is load-bearing: authorize the credit pull, sign. Every step posts to this ledger and survives being shown to you.
A VIN is 17 characters and never uses I, O, or Q.
pull · soft
Soft pull
Reads your credit band for prequal. No score impact — other lenders never see it happened.
pull · hard, once
Hard pull
Happens once, when you authorize the application. It posts to your file — a posted event on your deal record, dated and sourced.
Credit reporting runs under federal fair-credit rules: a pull needs a permissible purpose, and yours is consent — posted to the ledger when you give it.
7MMVABDM3RN163785
- 01agentReads the cardecode · the record at vhr.vin · the value band the loan reads at values.vin
- 02agentPrices the moneyrate · term · monthly by credit band — value · source · timestamp, per line. Prequal reads the band as a soft pull — no score impact.
- 03agentShops lendersone application shape · posted terms per lender · no pull happens here
- 04agentAssembles the paperworkthe stipulations a lender requires — income, residence, insurance — gathered once, posted to the ledger
- 05youAuthorize the pullOne hard pull, once, with your consent — a posted event on your deal record. No one shops your credit without you.Authorize the pullnot yet open · bureau certifications, adverse-action machinery, and state licenses in progress
- 06agentFiles the applicationWhen the gate clears, one application files to lenders — the decision posts to your deal record with source and timestamp.
- 07youSignYour name, on the figure the ledger posted — amount financed, APR, term, monthly, every fee printed before your signature.Signnot yet open · renders through the same gate
- 08agentFunding postsWhen the gate clears, the loan funds to the deal — the receipt is this ledger itself.
Figures render live at the address. This page states structure, not prices.
The two actions that are yours render through the compliance gate. Bureau certifications, adverse-action machinery, and state licenses are in progress; until they clear, nothing on this page pulls credit or signs a contract. Today the ledger states the payment structure and reads the record behind the car.
Two moments are yours.
The errand can be carried for you. These two steps cannot — one carries your consent, the other your name, and the flow waits for both. An agent cannot authorize a pull — soft or hard — and cannot sign.
moment one · your consent
Authorize the pull.
Prequal is a soft pull — it reads your credit band without touching your score. The hard pull happens once, when you authorize it here, and the lender’s decision posts to your deal record. Consent is a posted event on the ledger.
soft pull — no score impact · hard pull — once, on your authorization
moment two · your name
Sign.
The figure you sign is the figure the ledger posted — amount financed, APR, term, monthly, every fee. VSC and GAP are priced to the exact VIN and stand apart from the loan: the same posted price before and after the sale, so protection is a decision.
amount financed · apr · term · monthly — posted before you sign
The payment, written out.
Five sourced lines produce the monthly. Each posts with its address — the number you negotiate from is never a mystery box.
- 01Asking pricelistings.vin/7MMVABDM3RN163785posts live
- 02Down paymentyours — the one line you setposts live
- 03Taxes, title, DMVtaxes.vin/7MMVABDM3RN163785posts live
- 04Amount financedcomputed on the ledger — price, less down, plus feesposts live
- 05Rate · termby your band — bands as the bureaus publish themposts live
What the errand returns.
Options, not a verdict: each lender’s terms for your band on this VIN, posted side by side with source and timestamp. You read them the way the desk does.
Not ready for a pull of any kind? The rate read is free — no account, no pull, no counterparty. Paste the VIN above and read the structure.
The desk, named.
Rate markup
the spread, stated
Rate markup is the spread between the lender’s buy rate and the rate quoted across the desk. Here the rate posts with its source, and the dealer reads this exact page — the spread has nowhere to live but on the ledger.
the buy rate · the quoted rate · the spread — posted
Your band
bands as the bureaus publish them
The band column attests the bureaus’ own published definitions — it never invents a range. Prequal reads your band with a soft pull; the terms that come back are labeled by band, source, and timestamp.
the band · source · timestamp
Questions with posted answers.
Can I prequal today?
Not yet. Bureau certifications, adverse-action machinery, and state licenses are in progress; the authorize action renders on this ledger the day they clear. Today the page states the payment structure — rate, term, monthly by credit band — and reads the record behind the car.
Will prequal hurt my credit?
No. When prequal opens it is a soft pull — no score impact. A hard pull happens once, when you authorize it on the ledger, and the decision posts to your deal record.
Are these real rates or estimates?
Both, and labeled as which: calculator numbers post as value · source · timestamp; a prequal returns lender terms for your band; anything unverified reads “Reported, not yet verified.”
Can my agent do this without me?
It can carry everything except two steps. The credit pull waits for your consent and the contract waits for your name — both are load-bearing, and both post to the ledger when you take them. Everything else — payment math, lender shopping, paperwork, the application — the agent walks, and every step it takes is on the ledger for you to read.
Can I buy VSC or GAP after I’ve bought the car?
Yes. VSC (repair coverage after the factory warranty) and GAP (the gap between what you owe and what insurance pays) are priced to the exact VIN and stand apart from the loan — the same posted price before and after the sale.
How does financing.vin make money?
An origination fee from the lender when a loan funds, and a commission when a protection contract is written. Both post to your deal record like every other number — no fee appears at signing that wasn’t on the page.
The loan is one face of the record.
If an agent finances on your behalf, it reads this same ledger: the posted terms · consent · decision trail is the receipt that survives being shown to you.
Dealer F&I reads differently — your entrance is dealers.vin.
The third reader.
If software finances on someone’s behalf, it reads this same page as typed JSON — and the ledger it writes is the receipt its principal reads. Nothing it can do here is invisible to the human it works for.
A human approves the load-bearing steps; the agent carries the rest.b2h2a.vin
- The handoff names the steps that wait for a human — nothing proceeds past them
- The application, the decision, and the funding post as events on one deal ledger
- One MCP server for the whole platform: apis.vin/mcp
Every event posts human-readable at financing.vin/{VIN} — the record is a receipt that survives being shown to you.
// tools/call · finance_prequal { "type": "vin.finance.handoff", "vin": "7MMVABDM3RN163785", "motion": "b2h2a", "agent_carries": [ "decode", "payment_math", "lender_shop", "stips.assemble", "application.file" ], "waits_for_human": [ { "step": "credit_pull.authorize", "consent": "posted to the ledger" }, { "step": "contract.sign" } ], "terms": { "apr": <decimal, by band>, "monthly": <integer, USD cents> }, "receipt": "every event posts human-readable at financing.vin/{VIN}" }
For the agent you send
The agent reads the same record you do. Same two routes, three representations — the numbers never differ between them.
motions: B2H2A
- B2H2A — the human appears once, where the act is legally load-bearing — then the agent resumes
curl https://financing.vin/ -H 'accept: text/markdown' → the markdown twin of this page
curl https://financing.vin/{VIN} -H 'accept: application/json' → the record as typed evidence objects
curl https://financing.vin/{VIN} -H 'accept: text/markdown' → the record's markdown twinMachine surfaces on this host: /llms.txt · /icp.json · /.well-known/agents.json · one estate MCP server — apis.vin/mcp (every door a lens; tool results carry the door URL).
Attribution: X-Client-Type: html | md | json | mcp — read for agent-led demand attribution; it never changes the record.