67%
growth in bust-out fraud over five years.
Organized rings finance vehicles through several lenders at once, then resell them.
Source: Point Predictive, 2026 Auto Lending Fraud Trends Report
$10.4 billion
in estimated auto loan fraud exposure.
Source: Point Predictive, 2026 Auto Lending Fraud Trends Report
The same vehicle can be financed more than once, across state lines.
It’s not your team or your systems. Payments are visible. Title changes may not be.
You know your customer. Now it’s time to know your vehicle.
VINify is vehicle risk infrastructure for lenders. After a loan is funded, we watch vehicle-title activity across state lines and flag three signals: new titles in other states, illegal export and impound activity.
The problem
The problem no one owns happens after the transaction
Organizations invest heavily at the start of a transaction. But once a vehicle is financed, rented or deployed, visibility drops. Updates fragment across agencies and partners, and risk grows in the seams between teams, vendors and jurisdictions.
Leaders aren’t short on data. They’re short on clarity, context and coordinated action.
The cost of inaction
Fraud, delinquency and organized rings don’t only happen at the counter or before funding. They grow after the transaction, through retitling, export attempts, impounds and document manipulation, and can turn recoverable risk into total loss.
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$10.4B
Estimated auto loan fraud exposure, a record high. AI is making fraud faster and more difficult to see.
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, resell, and illegally export vehicles.
Source: Point Predictive, 2026 Auto Lending Fraud Trends Report
Yesterday’s controls can’t see today’s risks
Static reports, monthly file pulls and point-in-time checks were built for a slower era. Today, title activity, lien changes, cross-border movements and enforcement events can shift within a day, across systems.
The question isn’t “Do you have the data?” It’s “Do you have a partner who will interpret it with you and help you move?”
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
What you get
What you get with VINify
Signals you can act on, explained by people who know how vehicle fraud works.
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01
Three signals, watched after funding
We watch vehicle-title activity across state lines and flag new titles in other states, illegal export and impound activity.
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02
Expert-led reviews
Every finding comes with what changed, why it matters and what to do about it.
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03
Action lists your team can work
Clear next steps your team can execute this week. Then we work the list with you.
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04
Context a dashboard won’t give you
Market context on trends, timing and escalation paths, so your team knows what a finding means and where to take it.
Who we serve
Built for banks, credit unions and floor plan lenders
If you finance vehicles, the risk to your collateral can change after the loan is funded. We help you see it.
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Banks and captive lenders
Fewer surprises, stronger documentation, credible oversight.
Expert-guided review of title, lien and cross-border risk across your portfolio, with targeted deep dives on higher-exposure segments and findings written for your risk committee.
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Credit unions
Clearer oversight without adding headcount.
Discrepancy detection across titles, liens and high-risk dealer and channel patterns, diligence summaries for your board and examiners, and help tightening vendor practices and board reporting.
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Floor plan lenders
Confidence in the inventory behind every advance.
Floor plan lending is the credit line a dealer uses to stock its lot, repaid as each vehicle sells. Dummy flooring (advances against vehicles that don’t exist) and double flooring (one vehicle financed by two lenders) show up in the vehicle and title record. VINify watches title activity on floored units across state lines.
Rental and fleet operators
The same signals apply to vehicles you own: new titles in other states, illegal export and impound activity, with clear act-now lists for your operations team and accountability back to partners when a vehicle drifts from its expected status.
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
Assess, brief, act
Simple and service-first. You start with 100 VINs, not an integration project.
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Assess
A light-touch review of up to 100 VINs and your priorities. No integrations. Just VINs, with no borrower names or account numbers.
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Brief
We use the audit data to build a portfolio risk assessment (what we found, where the risk sits and why it matters) and a do-now action list, then walk your team through it.
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Act, together
We work the action list with your fraud, risk, compliance, collections and legal teams, and decide together what comes next. If that’s a pilot, it runs 90 days on your portfolio, paid from day one.
FAQ
Questions lenders ask
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, so the risk to your collateral grows out of view.
What does VINify watch after a loan is funded?
After a vehicle loan is funded, VINify watches vehicle-title activity across state lines and flags three signal types: new titles in other states, illegal export and impound activity.
What is the 100-VIN audit?
A review of up to 100 VINs at no cost to qualified lenders. You get a portfolio risk assessment built from the audit data, plus a do-now action list. There’s no commitment and no integration. Send just the VINs, with no borrower names or account numbers. Request a 100-VIN audit.
Who is VINify for?
Banks and captive lenders, credit unions, floor plan lenders, and rental and fleet operators. We work with investigations, fraud, risk, compliance, legal, recovery, collections and loan servicing teams.
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
We review up to 100 VINs at no cost to qualified lenders and use what we find to build a portfolio risk assessment, plus a do-now action list your team can execute right away.
- No commitment
- No integrations
- Just VINs: no borrower names or account numbers
Already seeing the problem? Talk to us about a pilot.