Lending
Know the vehicle behind every loan
A loan file names a VIN. Cardog turns it into the vehicle, a current market value, and the recall campaigns that vehicle carries.
The file
One asset, as the desk already holds it
A loan file names a VIN. Identity, a current value and the open campaigns against that vehicle are three fields on it, not three systems.
One VIN, all the way down
Every figure on the file resolves from the seventeen characters on the contract, so two of them can never be about two different vehicles.
On the contract · LN-08317
3N1AB8DV1RY284117
Ninth character recomputed from the other sixteen. It agrees.
Carried at
2024 Nissan Sentra
82.4%LTV
A $21,180 balance against a $25,700 mark, taken from 196 live asks.
1 of its 5 recall campaigns still has no remedy.
Originate
Check the vehicle before the money moves
Funding against a mistyped VIN secures nothing. One call catches the typo and returns the vehicle.
An invalid VIN fails first
Cardog recomputes the check digit, so a VIN that cannot exist never reaches the book.
The exact configuration
Make, model, year, trim, engine and drivetrain come back in one call.
Run before funding
Check digit
position 9 · recomputed
pass
Vehicle identified
SR · 2.0 L · FWD
pass
Model year in program
2024
pass
Recall campaigns
1 of them without a remedy
5 on file
Collateral mark · 196 live comparables
Fair Price
- this ask
- P25 – P75
- other live asks
P25
$24,100
Median
$25,700
P75
$27,300
Sample valuation · the vehicle is real, the prices are not a live market.
Value
Value the book against live listings
Cardog prices every unit from live dealer listings, on the schedule you set.
Every value names its window
A listing older than three days is not in the number.
Over the term
The asset falls while the balance does
A valuation is a point. A loan is a line. What matters is which of the two is steeper, and when they cross.
Priced from listings, not a table
The curve is built from live asks for the same vehicle, so it moves when the market does rather than on an annual revision.
Tesla Model 3 2023
model-year:tesla/model-3/2023
Value today · median ask
$33,846
−44% since purchase · Feb 2023
- Observed range today
- $31,788 – $35,904
- Live comparables
- 214
Watch
See it when the collateral changes
Every recall campaign from Transport Canada and NHTSA is matched to the vehicles it names and refreshed every night.
Campaigns reach the file
A new campaign lands against the VINs it names, with the component and the remedy.
2024 Nissan Sentra
3N1AB8DV1RY284117
5recall campaigns on file
- SteeringTCRemedy pending · Apr 21, 20262026-204
- Back-over preventionTCRemedy available · Sep 24, 20252025-518
- Back-over preventionNHTSARemedy available · Jun 2, 202525V361000
Sample recalls
More to use
The same vehicle, at every desk
The fraud check and the month-end report, on the same VIN the file was written against.
The distance
Seven years is a long way from origination
A loan file is opened once and carried for the better part of a decade. What the vehicle is worth, and what has been issued against it, both move the whole way.
Value your book on live listings
Talk to us about origination checks, scheduled values and campaign alerts.