Automotive Finance & Insurance Data API

Carapis gives lenders, insurers and leasing companies one REST API for vehicle valuations, residual values and VIN/history data — drawn from guide-book sources like KBB and FIPE and live listings from Encar, Mobile.de and 200+ portals. Underwriting, residual-value and claims teams get a consistent, normalized record per vehicle instead of licensing and integrating a different data feed for every market.

Valuation accuracy is the underwriting edge

For an auto lender, insurer or leasing firm, the loss on a single mispriced residual or over-valued collateral car can wipe out the margin on many good ones. The US auto-loan market alone runs well over a trillion dollars in outstanding balances (Federal Reserve / NY Fed estimates), and every one of those loans is written against a vehicle value. Carapis pairs reference valuations from KBB (US) and Tabela FIPE (Brazil) with live transaction-side listing prices from Encar, Mobile.de and others — so you can triangulate a vehicle’s book value against what the market is actually paying.

What finance and insurance teams use the data for

• Collateral valuation — value the vehicle behind a loan or policy against guide-book and live-market prices.
• Residual-value modeling — use price history and age/mileage curves to forecast end-of-lease values. See pricing intelligence.
• Claims and total-loss settlement — settle against comparable live listings and reference values for the same make, model, year and mileage.
• VIN and history checks — pull identity and accident/inspection fields (where the source exposes them) to flag risk before underwriting.

Data fields available

Carapis returns a normalized record per vehicle: make, model, trim, year, mileage, price and price history, fuel type, transmission, options, location, dealer/seller, plus — where the source carries them — VIN, accident/repair history and inspection sheets, and reference valuations from guide-book sources. The identical schema across guide-book and live-listing sources is what lets one valuation or residual model run in every market.

API quick start

import requests
 
resp = requests.get(
    "https://api.carapis.com/v2/listings",
    params={"make": "Toyota", "model": "Corolla", "year": 2021, "limit": 50},
    headers={"Authorization": f"Bearer {API_KEY}"},
)
prices = [c["price"] for c in resp.json()["results"]]
# derive a collateral / residual value from comparable market prices

const res = await fetch(
  "https://api.carapis.com/v2/listings?make=Toyota&model=Corolla&year=2021&limit=50",
  { headers: { Authorization: `Bearer ${process.env.CARAPIS_API_KEY}` } },
);
const { results } = await res.json();

curl "https://api.carapis.com/v2/listings?make=Toyota&model=Corolla&year=2021&limit=50" \
  -H "Authorization: Bearer $CARAPIS_API_KEY"

Get an API key at my.carapis.com  and see the API reference. Pricing is on the pricing page.

Frequently asked questions

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