You know your customer. Now it’s time to know your vehicle.
Your title check ended at funding. VINify keeps watching, every 48 hours.
We monitor every title in your portfolio across state lines and flag new out-of-state titles, illegal exports and impounds, with clear next steps from our team.
67%
growth in bust-out fraud in five years
$10.4B
estimated auto loan fraud exposure
The same vehicle can be financed more than once, across state lines.
Payments are visible. Title changes may not be.
What VINify does
Title monitoring for the vehicles behind your loans
You already check the borrower. VINify checks the vehicle, and keeps checking after the loan is funded.
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We monitor
The title on every vehicle in your portfolio, across state lines, every 48 hours.
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We flag fraud signals
New titles in other states, illegal export and impound activity.
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We tell you what to do
Our team reviews every flag and gives you a do-now action list, then works it with you.
A title report
One look, on the day you fund.
VINify
Every title, every 48 hours, after funding.
Federally authorized. Where our data comes from
The problem
Fraud that starts after funding hides behind on-time payments
A vehicle is financed in one state, retitled clean in another, then financed again or shipped overseas. Payments on the first loan can stay current until the vehicle is gone.
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$10.4B
Estimated auto loan fraud exposure, a record high, as fraudsters turn to AI to fake paystubs and identities.
Source: Point Predictive, 2026 Auto Lending Fraud Trends Report
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67%
Five-year growth in bust-out fraud, where organized rings use several lenders at once to acquire and resell vehicles.
Source: Point Predictive, 2026 Auto Lending Fraud Trends Report
Payments show the borrower. Titles show the vehicle.
A loan can look current while the vehicle behind it has been retitled, exported or impounded.
What your payment data shows
- Payments on time
- Account current
- Loan performing
What the title record can show
- A new title in another state
- An illegal export
- An impound
Who we serve
Built for banks, credit unions and floor plan lenders
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Banks and captive lenders
Title monitoring across your auto portfolio, with findings written for your risk committee.
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Credit unions
Title monitoring with plain-English findings your board can follow, without adding staff.
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Floor plan lenders
Floor plan lending is the credit line a dealer uses to stock its lot. Know when a floored unit is retitled, exported or impounded before it’s paid off.
Rental and fleet operators
The same title monitoring for vehicles you own, with act-now lists for your operations team.
The teams we work with
- Investigations
- Organized crime units
- Financial crimes units
- Special investigative units (SIU)
- Oversight
- Fraud
- Risk
- Compliance
- Legal
- Lending operations
- Recovery
- Collections
- Loan servicing
How it starts
From 100 VINs to a clear next step
No integration project, and no cost to qualified lenders.
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Send up to 100 VINs
After a short call, send VINs only: no borrower names or account numbers.
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Get your portfolio risk assessment
A custom report on what we found, plus a do-now action list, walked through with your team.
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Decide what’s next
Keep monitoring with a 90-day pilot, paid from day one, or work the action list on your own.
FAQ
Questions lenders ask
What does VINify monitor, and how often?
VINify monitors the title on every vehicle in your portfolio across state lines, every 48 hours. It flags three fraud signals: new titles in other states, illegal export and impound activity. Our team reviews every flag and tells you what to do next.
How is VINify different from a title report?
A title report shows a vehicle’s title at one moment. VINify keeps monitoring the title across state lines every 48 hours, so you see what changes after funding, not just what was true at origination.
Where does VINify’s title data come from?
From NMVTIS, the National Motor Vehicle Title Information System, a federal title database overseen by the U.S. Department of Justice. We are an approved NMVTIS Data Provider.
What is the 100-VIN audit?
A review of up to 100 VINs at no cost to qualified lenders. You get a custom portfolio risk assessment and a do-now action list. No commitment, no integration, and VINs only: no borrower names or account numbers. Request a 100-VIN audit.
How can a performing loan hide vehicle fraud?
Payments show that a borrower is paying. They don’t show what is happening to the vehicle’s title. A vehicle can be retitled in another state, exported illegally or impounded while the loan stays current.
How big is the auto loan fraud problem?
Point Predictive’s 2026 Auto Lending Fraud Trends Report estimates auto loan fraud exposure at $10.4 billion. That is an estimate of exposure, not confirmed losses. Read the report announcement.
Start with 100 VINs
Up to 100 VINs, at no cost to qualified lenders. You get a custom portfolio risk assessment and a do-now action list.
- No commitment
- No integrations
- Just VINs: no borrower names or account numbers
Already seeing the problem? Talk to us about a pilot.