Lender
v0.1.0A finance source (lender) the dealer submits F&I deals to for approval and funding — captive finance arms, banks, credit unions, subprime/special-finance houses, buy-here-pay-here portfolios, and lease sources. Models the lender's identity, dealer relationship, contact of record, credit programs / rate tiers, dealer reserve (participation) structure, funding method, and the fees/holdbacks/state constraints that govern deal economics. Lineage: the ADF/AutomotiveAPI standards carried lender data only as a free-text finance-source string on the credit request; this entity promotes it to a first-class typed record so agents can shop a deal across sources, honor program tiers, and reason about reserve/rate economics. Program rate sheets and buy rates are commercially sensitive and are marked x-pii for handling parity; they are business-confidential rather than consumer PII.
fni.get_lenderfni.list_lenders{
"id": "3f2a1c8e-7b4d-4e9a-9c1f-2d6b8a0e5f31",
"source_ids": [
{
"system": "routeone",
"id": "TFS-000482",
"sequence": 1
},
{
"system": "dealertrack",
"id": "DT-LNDR-77219"
}
],
"name": "Toyota Financial Services",
"legal_name": "Toyota Motor Credit Corporation",
"type": "captive",
"product_types": [
"retail_installment",
"lease",
"balloon"
],
"collateral_types": [
"new",
"cpo",
"used"
],
"status": "active",
"dealer_code": "TFS-DLR-58213",
"website_url": "https://www.toyotafinancial.com/dealer",
"submission_channel": "routeone",
"nmls_id": "8027",
"address": {
"city": "Plano",
"region": "TX",
"postal_code": "75024",
"country": "US",
"lines": [
"6565 Headquarters Drive"
]
},
"contact": {
"name": {
"first": "Marcus",
"last": "Delgado"
},
"title": "Dealer Relationship Manager",
"email": {
"address": "marcus.delgado@toyotafinancial.example.com"
},
"phone": {
"number": "+1-310-555-0142"
}
},
"operating_states": [
"CA",
"NV",
"AZ",
"TX"
],
"programs": [
{
"name": "Tier 1 Standard APR",
"tier": "A+",
"credit_score_model": "auto_fico",
"min_score": 720,
"max_score": 850,
"max_ltv": 100,
"max_pti": 15,
"max_dti": 45,
"min_term_months": 24,
"max_term_months": 84,
"min_amount": {
"amount": 5000,
"currency": "USD"
},
"max_amount": {
"amount": 90000,
"currency": "USD"
},
"buy_rate": 4.99,
"max_vehicle_age_years": 1,
"max_mileage": 12000,
"advance_basis": "msrp",
"effective_date": "2026-06-01",
"expiration_date": "2026-07-31",
"rate_sheet_url": "https://www.toyotafinancial.com/dealer/rates/tier1.pdf"
},
{
"name": "Certified Pre-Owned APR",
"tier": "Tier 2",
"credit_score_model": "auto_fico",
"min_score": 660,
"max_score": 719,
"max_ltv": 95,
"max_pti": 18,
"max_dti": 50,
"min_term_months": 24,
"max_term_months": 72,
"min_amount": {
"amount": 7500,
"currency": "USD"
},
"max_amount": {
"amount": 65000,
"currency": "USD"
},
"buy_rate": 6.74,
"max_vehicle_age_years": 6,
"max_mileage": 85000,
"advance_basis": "book_value",
"effective_date": "2026-06-01",
"rate_sheet_url": "https://www.toyotafinancial.com/dealer/rates/cpo.pdf"
}
],
"reserve": {
"type": "spread",
"percentage": 75,
"max_markup": 2,
"cap_amount": {
"amount": 3000,
"currency": "USD"
}
},
"fees": [
{
"type": "acquisition",
"amount": {
"amount": 650,
"currency": "USD"
}
},
{
"type": "ach_funding",
"amount": {
"amount": 15,
"currency": "USD"
}
},
{
"type": "other",
"label": "Late title perfection penalty",
"percentage": 0.5
}
],
"flat_cancellation_reserve": true,
"chargeback_period_days": 90,
"funds_electronically": true,
"supports_econtracting": true,
"funding_turnaround_hours": 24,
"created_at": "2025-11-03T14:22:10Z",
"updated_at": "2026-06-28T09:15:47Z",
"extensions": {
"routeone:contract_type": "econtract",
"internal:preferred_rank": 1
}
}