Federally authorized title monitoring for lenders
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 monitors the title on every vehicle in your portfolio across state lines, every 48 hours. We flag fraud signals (new titles in other states, illegal export and impound activity), and our team tells you what to do next.
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.
Others pull a one-time title report. VINify keeps monitoring, every 48 hours.
Federally authorized title monitoring across state lines, so a change after funding doesn’t sit unseen until the loan goes bad.
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.
A one-time title report shows a single moment. VINify keeps monitoring the title on every vehicle, across state lines, every 48 hours, so a change after funding doesn’t sit unseen.
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
Title monitoring every 48 hours
We monitor the title on every vehicle in your portfolio 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.
Title monitoring across your portfolio, with expert review of every flag and findings written for your risk committee.
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Credit unions
Clearer oversight without adding headcount.
Title monitoring across state lines, plain-English findings your board can follow, and action lists your team can work without adding staff.
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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. When a floored unit is retitled in another state, exported or impounded before it’s paid off, the title record shows it. VINify monitors the title on floored units across state lines, every 48 hours.
Rental and fleet operators
The same title monitoring applies 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, we monitor the titles on your portfolio every 48 hours for 90 days, 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 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.
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.