Does the check tell us who the finance is with?

It tells you that agreements are recorded and how many. The detail available on any given record depends on what the provenance register holds for that vehicle.

How current is the valuation?

Valuations carry a 24-hour freshness window. Within that we serve the figure we already hold; beyond it we refresh from the source.

Can we run this against an existing book?

Yes. Bulk lookups take up to 50 registrations per call, so a portfolio sweep is a matter of batching. You are charged per successful lookup.

Is this an HPI check?

It is an HPI-style provenance check: the same class of check, covering write-off, finance, stolen, scrappage, import and export and mileage. HPI is a registered trade mark of HPI Limited and we are not affiliated with them.

For lenders & brokers

Underwrite against the asset you think you're financing.

Check outstanding finance, write-off history and current value before you advance against a vehicle: the checks that protect the loan book, available as an API call.

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From £2.34: per provenance check at Tier 5
Agreement count: not just a yes/no flag
One call: finance, write-off and valuation

What gets in the way

Advancing against vehicles with undisclosed outstanding finance
Loan-to-value decisions made on stale or estimated values
Write-off and stolen markers discovered after settlement
Slow manual checks holding up approvals

What you can do instead

Detect existing finance agreements before advancing funds
Set LTV against a current market valuation
Automate provenance as a hard gate in your underwriting flow

How it works

Three steps

Check before you commit

Run the provenance check as a gate in the underwriting flow, not as a report someone reads afterwards.

Value the asset

Take a current trade and retail valuation to set loan-to-value against what the vehicle is actually worth today.

Record what you checked

Keep the response against the application. It is your evidence of the check at the point the decision was made.

Outstanding finance is the one that costs real money

A vehicle with an existing agreement on it is not the borrower's to give as security, and discovering that after settlement turns an asset-backed loan into an unsecured one. The check is cheap relative to the exposure and it returns more than a flag: the number of agreements on record, so a vehicle carrying two is distinguishable from one carrying one. Running it as a hard gate rather than an advisory report is the difference between a control and a note in a file.

LTV against today's value, not a book figure

Loan-to-value only means anything if the V is current. Depreciation curves and trade guides age, and specific vehicles diverge from the average based on mileage, condition and specification. Pulling a valuation at the point of decision gives three positions: trade, retail and private, and lets the policy state which one it lends against rather than leaving it to whoever is keying the application.

The markers that should stop an advance

Beyond finance, the provenance record carries the insurance write-off category, the police stolen marker, scrappage and Certificate of Destruction records, import and export history, plate transfers, and the mileage record with an inconsistency flag. Any of those may be a decline, a referral or simply a repriced deal, but they should be a decision, and a decision needs the data at the point it is made.

Recommended APIs

Where to start

Provenance Check

Write-off, outstanding finance, stolen and scrapped markers in one call.

From £2.34 / lookup

Vehicle Valuation

Trade, retail and private values for any UK vehicle.

From 16p / lookup

Vehicle Details

DVLA registration data by VRM — make, colour, fuel, CO₂, tax and MOT status.

From 4p / lookup

Full Vehicle Check

Everything in one call: details, MOT history, valuation and provenance.

From £2.45 / lookup

Where it gets used

Common jobs

Pre-advance provenance gate

Run the check as an automatic hard stop in the underwriting flow, before funds are released rather than as a post-completion audit.

LTV valuation

Set loan-to-value against a current trade or retail position, with your credit policy stating which of the three you lend against.

Mileage verification

Compare the declared mileage against every recorded odometer reading, and treat an inconsistency flag as a referral trigger.

Portfolio review

Sweep an existing book in bulk to re-check provenance and re-value the security behind agreements already written.

FAQ

Finance & lending questions

Does the check tell us who the finance is with?: It tells you that agreements are recorded and how many. The detail available on any given record depends on what the provenance register holds for that vehicle.
How current is the valuation?: Valuations carry a 24-hour freshness window. Within that we serve the figure we already hold; beyond it we refresh from the source.
Can we run this against an existing book?: Yes. Bulk lookups take up to 50 registrations per call, so a portfolio sweep is a matter of batching. You are charged per successful lookup.
Is this an HPI check?: It is an HPI-style provenance check: the same class of check, covering write-off, finance, stolen, scrappage, import and export and mileage. HPI is a registered trade mark of HPI Limited and we are not affiliated with them.

Official registers

Vehicle records from the DVLA Vehicle Enquiry Service, MOT records from the DVSA MOT History API.

Charged on delivery

You are charged on a successful lookup. A lookup that returns nothing costs nothing.

No lock-in

No contract and no minimum. Credits last 12 months; monthly plans are rolling.

UK data protection

You act as controller and we act as processor for delivery, under the UK GDPR and the Data Protection Act 2018.

Try it on your own data

Create an account, get starter credits, and run your first lookup in minutes.

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