Relied on where a valuation must hold up
Over the years, banks, insurers, leasing companies, dealers and marketplaces have used AutoUncle to value cars, and so has the Danish Tax Agency (SKAT).
CAR VALUATION FOR LENDING & LEASING
Know what the collateral
is worth. Today.
Put an independent market value behind every car loan and lease: collateral values with ranges for your loan-to-value limits, regular revaluation of the whole portfolio, and a grounded price when a car comes back.
- Collateral valuation
- Loan-to-value
- Residual value checks
- Portfolio revaluation
- Remarketing
WHERE IT FITS
From the credit decision
to the car's return.
- 01
Credit decision
Value the car the loan is secured on before you approve it. Use the lower end of the 95% or 99% range, not just the point estimate, to set the loan-to-value limit.
- 02
Lease pricing
Check residual-value assumptions against today's market: value the same model at the age and mileage it will have at the end of the contract.
- 03
Portfolio monitoring
Revalue every financed car on your own schedule in batch, and see where collateral has fallen below the outstanding balance.
- 04
Returns and repossessions
Price returned and repossessed cars for remarketing, at dealer or private-sale level, with the comparable cars currently on the market.
A LOAN APPLICATION
Use the range,
not just the price.
For risk decisions, the point estimate is only the middle of the story. The 95% and 99% ranges show how low the market value could realistically be. Combine strict mode with a minimum precision, and you get either a well-founded value or a free refusal telling you what to ask the applicant for.
- Lower bounds for loan-to-value limits: 95% and 99% ranges
- Dealer or private-sale price basis, per request
- Precision grade and data support for your credit rules
- Batch revaluation with safe retries
POST /v1/valuations
{
"country": "SE",
"vehicle": {
"make": "Volvo",
"model": "XC60",
"model_year": 2022,
"mileage": { "value": 4500, "unit": "mil" }
},
"pricing": { "price_basis": "private_sale" },
"options": {
"resolution": "strict",
"min_precision": "medium"
}
}
200 OKIllustrative
"valuation": {
"price": 389000,
"currency": "SEK",
"intervals": [
{ "coverage": 0.8, "low": 362000, "high": 416000 },
{ "coverage": 0.95, "low": 347000, "high": 431000 },
{ "coverage": 0.99, "low": 331000, "high": 447000 }
]
},
"precision": {
"grade": "medium",
"data_support": { "comparable_vehicles": 300 }, โฆ
}
DOCUMENTATION, NOT JUST A NUMBER
Every valuation
comes with its evidence.
Credit committees and auditors ask how a collateral value was set. Every valuation records the identified car, its ranges, the market data behind it and comparable listings, and live results can be read back by ID for 13 months.
01
The car that was valued
Make, model, generation and drivetrain, with the source of every value: your input, the register, the listing text, a photo or an assumption.
02
Ranges, not a single guess
80%, 95% and 99% price ranges, a precision grade with a sentence explaining it, and how much comparable market data stands behind the estimate.
03
Comparable listings
Up to five similar cars on sale and five that recently left the market, as anonymized examples: year, rounded mileage, rounded asking price, price rating and days on market. Never the seller, a link, dates, the plate, the VIN or photos. One extra credit, only when listings are returned; not available in Denmark.
04
Notes, sources and a record
Disclaimers and data-source attributions on every result. Live results are kept for 13 months and can be read back by their ID.
COMPARABLE LISTINGS
IllustrativeVolkswagen Golf VIII ยท 1.5 TSI ยท 2021 ยท 48,000 km
| On sale | 2021 ยท 45,000 km | โฌ21,900 | 12 days | |
| On sale | 2021 ยท 50,000 km | โฌ21,000 | 31 days | |
| Left the market | 2020 ยท 45,000 km | โฌ20,500 | 19 days | |
| Left the market | 2021 ยท 60,000 km | โฌ19,900 | 44 days |
Anonymized examples with rounded mileage and prices. Comparables support the price; they are not its basis. Prices are asking prices.
WHY AUTOUNCLE
Valuing cars since 2010.
In fourteen markets.
AutoUncle has valued used cars independently since 2010, from the market data of every country we cover. Data Services gives you the same valuations, vehicle identification and price ratings that power autouncle.com.
2010the year we started valuing cars
14European markets
5price ratings, the same scale as autouncle.com
Live in
- Denmark
- Sweden
- Germany
- Italy
- Spain
- Austria
- Portugal
- Poland
- Finland
- Romania
- Switzerland
- United Kingdom
- Netherlands
- France
AI where it helps. Statistics where it counts.
- AI reads what people write and photograph, and identifies the exact car.
- Prices come from statistical models trained on the actual market in each country, never from a language model.
- Price ranges are checked against real market outcomes, and every result says how sure it is.
Questions we're asked
Can the API value the collateral for a car loan?
Yes. It returns a market estimate for the car with 80%, 95% and 99% ranges. For lending limits we recommend the wider ranges, so that a decision holds even if the market value sits at the low end.
Does it forecast residual values?
No. It values cars as the market prices them today. To check a residual-value assumption, value the same model at the age and mileage it will have at the end of the contract: today's market for that car is a grounded reference point.
Can we revalue our whole portfolio?
Yes. Send valuations in batch within your workspace's concurrency limit, with an idempotency key per car so retries are safe. Each successful live valuation uses one credit; refusals and failures are free.
Dealer price or private-sale price?
Both. Each request chooses the price basis: the expected asking price when a dealer lists the car, or when a private seller does. For what a dealer would pay for the car, add the trade-in price: one extra credit when it is returned, in 12 markets.
What if the application has incomplete vehicle data?
Strict mode never assumes a missing year, mileage or equipment, and a minimum precision refuses uncertain results at no cost. The refusal names the input that would make the valuation possible.
START WITH ONE CAR
Try it on your own cases.
Then talk to us.
Create a workspace, test with free test keys, and see every request in your console.