A tool by Firecrawl · uses 6 tools · Automotive

Auto loan collateral value check

Use when an auto loan underwriter is checking whether the vehicle behind a loan application supports the amount requested. Decodes the VIN, reads book values, compares the dealer's price with market value for similar listings, checks for open recalls, and reads current auto loan rates, then states the loan-to-value position.

Open in ChatGPT Open in Claude

Save a copy for your team

Tools it calls

Each tool's price and track record across every agent today. Empty means the call worked and found nothing.

ToolPriceMedianSuccessEmpty

NHTSA vPIC vehicle decoderDecode vinPrice5 creditsMedian–Success–Empty–
NHTSAVehicle recallsPrice5 creditsMedian264 msSuccess100%Empty0%
Kelley Blue BookBook valuePrice5 creditsMedian2.3 sSuccess85.7%Empty25%
CarGurusSearch listingsPrice5 creditsMedian876 msSuccess99%Empty0%
FRED (Federal Reserve Economic Data)Series observationsPrice5 creditsMedian505 msSuccess98.6%Empty3.5%
FRED (Federal Reserve Economic Data)Series searchPrice5 creditsMedian649 msSuccess100%Empty0%

Instructions

What your agent follows when it runs this tool. Paste them into any assistant connected to Firecrawl.

# Auto loan collateral value check

For one application: VIN, mileage, sale price, amount financed and dealer ZIP. The decoded spec carries into every step.

## 1. The collateral

1. Decode the VIN with @[NHTSA vPIC · Decode vin](alexandria:vpic-nhtsa-dot-gov/vehicles/decode_vin) and confirm it matches the bill of sale.
2. Read @[NHTSA · Vehicle recalls](alexandria:nhtsa-gov/recalls/vehicle_recalls) for the year, make and model to note open safety campaigns.

## 2. What it is worth

3. Read @[Kelley Blue Book · Book value](alexandria:kbb-com/vehicles/book_value) for trade_in and private_party at the dealer ZIP and mileage.
4. Read @[CarGurus · Search listings](alexandria:cargurus-com/vehicles/search_listings) for the same model and years near the dealer. Note the market value CarGurus shows and where the sale price ranks.

## 3. Rate context

5. Read the commercial bank 60-month new car loan rate with @[FRED · Series observations](alexandria:fred-stlouisfed-org/economic-data/series_observations) (find it with @[FRED · Series search](alexandria:fred-stlouisfed-org/economic-data/series_search)).

## Write the collateral check

- **Values:** KBB trade-in and private-party, market comps.
- **LTV:** amount financed divided by trade-in and by private-party value.
- **Pricing:** sale price versus comps; flag a large markup.
- **Rate:** the application rate versus the market series.
- **Flags:** VIN mismatch, open recalls, high LTV.
- **Sources:** cite every figure to the capability and record it came from. Say what could not be found rather than guessing.

All Firecrawl tools