AutoFi

AutoFi ("The Sales Momentum Company") is an AI-powered automotive commerce platform that connects online and in-store car-buying experiences for dealerships, OEMs, lenders, and online marketplaces. Its products span digital retailing (online financing exploration and personalized deal paths with real payments and options), showroom solutions (in-store deal-structuring tools that preserve dealership profitability and buyer transparency), Dealmaker deal structuring, and Smartlink lead management. AutoFi publicly documents a REST API — the Lending-as-a-Service surface — at api.autofi.com covering JWT client credential authorization, loan application creation and retrieval, Dealmaker and credit application submission, dealer lookup, cash/finance/lease payment estimation, and prequalification, with a UAT sandbox that can simulate lender decisions. AutoFi was surfaced as a portfolio company of 500 Global.

AutoFi publishes 6 APIs on the APIs.io network, including Authorization API, Calculate Payment API, Dealers API, and 3 more. Tagged areas include Company, Automotive, Fintech, Digital Retail, and Auto Finance.

The AutoFi catalog on APIs.io includes 1 event-driven AsyncAPI specification.

AutoFi’s developer surface includes documentation, API reference, engineering blog, support, signup flow, authentication, sandbox, and 28 more developer resources.

🌐 Visit website 📡 Source on GitHub

56.2/100 strong ▬ flat Agent 49/100 agent ready saas Full breakdown ↓
scored 2026-09-06 · rubric v0.19.0

2 APIs 2 MCP Servers

Company Automotive Fintech Digital Retail Auto Finance Dealerships Sales Enablement Software-as-a-Service Lending Loan Origination Credit DecisioningPayment CalculationPrequalification

Kin Score

Kin Score How this is scored →
scored 2026-09-06 · rubric v0.19.0

Composite quality — 56.2/100 · strong

Contract Quality 12.6 / 21

Developer Ergonomics 8.4 / 17

Access Clarity 8.5 / 17

Operational Transparency 6.4 / 11

Contract Governance 0.5 / 10

Discoverability 6.5 / 9

Regulatory Posture 10.8 / 15

Agent readiness — 49/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 4 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 5 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/autofi: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 7

Individual APIs this provider publishes, each with its own machine-readable definition.

MCP Servers 2

Model Context Protocol servers that expose these APIs to AI agents.

Rate Limits 1

Documented rate limits and quota policies.

Scopes 1

OAuth scopes governing access to this provider's APIs.

Get Started 3

Portal, sign-up, and the first successful call

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

LLMsTxt

MCPServer

WellKnown

AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

Lifecycle

Conformance

ErrorCatalog

DataModel

Webhooks

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

ToolCrosswalk

ToolCrosswalk

Access & Security 7

Authentication, authorization, and security posture

TrustCenter

Compliance

Security

DomainSecurity

VulnerabilityDisclosure

VulnerabilityDisclosure

Authentication

Authentication

OAuthScopes

OAuthScopes

Scroll for all 7

Operate 3

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Plans

Plans

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: autofi
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: sales-gate
  trial: false
  try_now: false
  public: true
  label: Public reference, sales-gated credentials
  confidence: medium
  source:
  - openapi
  - authentication
  generated: '2026-08-14'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/autofi.png
name: AutoFi
description: AutoFi ("The Sales Momentum Company") is an AI-powered automotive commerce platform that connects online and
  in-store car-buying experiences for dealerships, OEMs, lenders, and online marketplaces. Its products span digital retailing
  (online financing exploration and personalized deal paths with real payments and options), showroom solutions (in-store
  deal-structuring tools that preserve dealership profitability and buyer transparency), Dealmaker deal structuring, and Smartlink
  lead management. AutoFi publicly documents a REST API — the Lending-as-a-Service surface — at api.autofi.com covering JWT
  client credential authorization, loan application creation and retrieval, Dealmaker and credit application submission, dealer
  lookup, cash/finance/lease payment estimation, and prequalification, with a UAT sandbox that can simulate lender decisions.
  AutoFi was surfaced as a portfolio company of 500 Global.
url: https://raw.githubusercontent.com/api-evangelist/autofi/refs/heads/main/apis.yml
x-api-posture: no-product-api
x-api-posture-basis: observed
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-08-14'
tags:
- Company
- Automotive
- Fintech
- Digital Retail
- Auto Finance
- Dealerships
- Sales Enablement
- Software-as-a-Service
- Lending
- Loan Origination
- Credit Decisioning
- Payment Calculation
- Prequalification
tags_raw:
- Company
- Automotive
- Fintech
- Digital Retail
- Auto Finance
- Dealerships
- Sales Enablement
- SaaS
- Lending
- Loan Origination
- Credit Decisioning
- Payment Calculation
- Prequalification
apis:
- name: AutoFi MCP Server
  description: Live, OAuth-protected Model Context Protocol server served from the WordPress installation behind autofi.com,
    discovered through RFC 9728 protected-resource metadata. It is a site/content MCP surface on AutoFi's marketing host,
    not an MCP wrapper around the lending API. Anonymous tools/list returns HTTP 401 mcp_unauthorized, so the tool schemas
    require the `mcp` OAuth scope to read.
  humanURL: https://www.autofi.com/.well-known/oauth-protected-resource/
  baseURL: https://www.autofi.com/wp-json/mcp/mcp-oauth-server
  tags:
  - MCP
  - Agents
  - Content
  tags_raw:
  - MCP
  - Agent
  - Content
  properties:
  - type: MCPServer
    url: mcp/autofi-mcp.yml
  - type: MCPServer
    url: https://www.autofi.com/wp-json/mcp/mcp-oauth-server
  - type: ToolCrosswalk
    url: mcp/autofi-tool-crosswalk.yml
  - type: WellKnown
    url: well-known/autofi-well-known.yml
- aid: autofi:autofi-authorization-api
  name: AutoFi Authorization API
  description: 'To authorize requests to the AutoFi API you will need an `Access Token` (JWT).


    Requesting an `Access Token` requires authentication credentials which you can retrieve from the AutoFi admin panel (coming
    soon).


    Once you have your `Access Token` you pass it in along in the authorization HTTP header like this:

    ```

    curl -X GET "https://api-uat.autofi.com/v1/loan-application/abcde" \

    -H "Authorization: Bearer 714552c6148e1617aeab526d0606184b94a80ec048fc09894ff1a72b740c5f19"

    ```

    Generally, all API endpoints require token authorization, except where noted otherwise (the endpoint description will
    be lacking the Authorization requirement).'
  humanURL: https://api.autofi.com/api.html
  baseURL: https://api.autofi.com
  tags:
  - Authorization
  properties:
  - type: OpenAPI
    url: openapi/autofi-authorization-api-openapi.yml
  - type: Documentation
    url: https://api.autofi.com/api.html
  - type: APIReference
    url: https://api.autofi.com/api.html
  - type: Authentication
    url: authentication/autofi-authentication.yml
  - type: OAuthScopes
    url: scopes/autofi-scopes.yml
  - type: Conventions
    url: conventions/autofi-conventions.yml
  - type: ErrorCatalog
    url: errors/autofi-problem-types.yml
  - type: DataModel
    url: data-model/autofi-data-model.yml
  - type: Sandbox
    url: sandbox/autofi-sandbox.yml
  - type: RateLimits
    url: rate-limits/autofi-rate-limits.yml
  - type: Webhooks
    url: asyncapi/autofi-webhooks.yml
  - type: PostmanCollection
    url: collections/autofi-api.postman_collection.json
  - type: OpenCollection
    url: collections/autofi-api.opencollection.json
- aid: autofi:autofi-calculate-payment-api
  name: AutoFi Calculate Payment API
  description: The Calculate Payment API from AutoFi — 3 operation(s) for calculate payment.
  humanURL: https://api.autofi.com/api.html
  baseURL: https://api.autofi.com
  tags:
  - Calculate Payment
  properties:
  - type: OpenAPI
    url: openapi/autofi-calculate-payment-api-openapi.yml
  - type: Documentation
    url: https://api.autofi.com/api.html
  - type: APIReference
    url: https://api.autofi.com/api.html
  - type: Authentication
    url: authentication/autofi-authentication.yml
  - type: OAuthScopes
    url: scopes/autofi-scopes.yml
  - type: Conventions
    url: conventions/autofi-conventions.yml
  - type: ErrorCatalog
    url: errors/autofi-problem-types.yml
  - type: DataModel
    url: data-model/autofi-data-model.yml
  - type: Sandbox
    url: sandbox/autofi-sandbox.yml
  - type: RateLimits
    url: rate-limits/autofi-rate-limits.yml
  - type: Webhooks
    url: asyncapi/autofi-webhooks.yml
  - type: PostmanCollection
    url: collections/autofi-api.postman_collection.json
  - type: OpenCollection
    url: collections/autofi-api.opencollection.json
- aid: autofi:autofi-dealers-api
  name: AutoFi Dealers API
  description: A `dealer` is a required entity when requesting to create a loan application. If the dealer does not exist
    you need to first create the `dealer` to acquire the unique `dealer code` from AutoFi.
  humanURL: https://api.autofi.com/api.html
  baseURL: https://api.autofi.com
  tags:
  - Dealers
  properties:
  - type: OpenAPI
    url: openapi/autofi-dealers-api-openapi.yml
  - type: Documentation
    url: https://api.autofi.com/api.html
  - type: APIReference
    url: https://api.autofi.com/api.html
  - type: Authentication
    url: authentication/autofi-authentication.yml
  - type: OAuthScopes
    url: scopes/autofi-scopes.yml
  - type: Conventions
    url: conventions/autofi-conventions.yml
  - type: ErrorCatalog
    url: errors/autofi-problem-types.yml
  - type: DataModel
    url: data-model/autofi-data-model.yml
  - type: Sandbox
    url: sandbox/autofi-sandbox.yml
  - type: RateLimits
    url: rate-limits/autofi-rate-limits.yml
  - type: Webhooks
    url: asyncapi/autofi-webhooks.yml
  - type: PostmanCollection
    url: collections/autofi-api.postman_collection.json
  - type: OpenCollection
    url: collections/autofi-api.opencollection.json
- aid: autofi:autofi-dealmaker-api
  name: AutoFi Dealmaker API
  description: The Dealmaker API from AutoFi — 2 operation(s) for dealmaker.
  humanURL: https://api.autofi.com/api.html
  baseURL: https://api.autofi.com
  tags:
  - Dealmaker
  properties:
  - type: OpenAPI
    url: openapi/autofi-dealmaker-api-openapi.yml
  - type: Documentation
    url: https://api.autofi.com/api.html
  - type: APIReference
    url: https://api.autofi.com/api.html
  - type: Authentication
    url: authentication/autofi-authentication.yml
  - type: OAuthScopes
    url: scopes/autofi-scopes.yml
  - type: Conventions
    url: conventions/autofi-conventions.yml
  - type: ErrorCatalog
    url: errors/autofi-problem-types.yml
  - type: DataModel
    url: data-model/autofi-data-model.yml
  - type: Sandbox
    url: sandbox/autofi-sandbox.yml
  - type: RateLimits
    url: rate-limits/autofi-rate-limits.yml
  - type: Webhooks
    url: asyncapi/autofi-webhooks.yml
  - type: PostmanCollection
    url: collections/autofi-api.postman_collection.json
  - type: OpenCollection
    url: collections/autofi-api.opencollection.json
- aid: autofi:autofi-loan-applications-api
  name: AutoFi Loan Applications API
  description: This section provides the methods available to submit and retrieve loan applications for your organization.
  humanURL: https://api.autofi.com/api.html
  baseURL: https://api.autofi.com
  tags:
  - Loan Applications
  properties:
  - type: OpenAPI
    url: openapi/autofi-loan-applications-api-openapi.yml
  - type: Documentation
    url: https://api.autofi.com/api.html
  - type: APIReference
    url: https://api.autofi.com/api.html
  - type: Authentication
    url: authentication/autofi-authentication.yml
  - type: OAuthScopes
    url: scopes/autofi-scopes.yml
  - type: Conventions
    url: conventions/autofi-conventions.yml
  - type: ErrorCatalog
    url: errors/autofi-problem-types.yml
  - type: DataModel
    url: data-model/autofi-data-model.yml
  - type: Sandbox
    url: sandbox/autofi-sandbox.yml
  - type: RateLimits
    url: rate-limits/autofi-rate-limits.yml
  - type: Webhooks
    url: asyncapi/autofi-webhooks.yml
  - type: PostmanCollection
    url: collections/autofi-api.postman_collection.json
  - type: OpenCollection
    url: collections/autofi-api.opencollection.json
- aid: autofi:autofi-prequalification-api
  name: AutoFi Prequalification API
  description: The Prequalification API from AutoFi — 1 operation(s) for prequalification.
  humanURL: https://api.autofi.com/api.html
  baseURL: https://api.autofi.com
  tags:
  - Prequalification
  properties:
  - type: OpenAPI
    url: openapi/autofi-prequalification-api-openapi.yml
  - type: Documentation
    url: https://api.autofi.com/api.html
  - type: APIReference
    url: https://api.autofi.com/api.html
  - type: Authentication
    url: authentication/autofi-authentication.yml
  - type: OAuthScopes
    url: scopes/autofi-scopes.yml
  - type: Conventions
    url: conventions/autofi-conventions.yml
  - type: ErrorCatalog
    url: errors/autofi-problem-types.yml
  - type: DataModel
    url: data-model/autofi-data-model.yml
  - type: Sandbox
    url: sandbox/autofi-sandbox.yml
  - type: RateLimits
    url: rate-limits/autofi-rate-limits.yml
  - type: Webhooks
    url: asyncapi/autofi-webhooks.yml
  - type: PostmanCollection
    url: collections/autofi-api.postman_collection.json
  - type: OpenCollection
    url: collections/autofi-api.opencollection.json
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: AgenticAccess
  url: agentic-access/autofi-agentic-access.yml
- type: Website
  url: https://autofi.com
- type: Documentation
  url: https://api.autofi.com/api.html
- type: APIReference
  url: https://api.autofi.com/api.html
- type: Blog
  url: https://www.autofi.com/news/
- type: Support
  url: https://www.autofi.com/support/
- type: SignUp
  url: https://www.autofi.com/request-demo/
- type: Login
  url: https://portal.autofi.com/login
- type: TermsOfService
  url: https://www.autofi.com/terms-and-conditions/
- type: PrivacyPolicy
  url: https://autofi.com/privacy-policy/
- type: GitHubOrganization
  url: https://github.com/AutoFi
- type: StatusPage
  url: https://status.autofi.com
- type: TrustCenter
  url: https://trust.autofi.com/
- type: Compliance
  url: https://trust.autofi.com/
- type: Security
  url: https://trust.autofi.com/
- type: DomainSecurity
  url: security/autofi-domain-security.yml
- type: VulnerabilityDisclosure
  url: security/autofi-vulnerability-disclosure.yml
- type: LLMsTxt
  url: llms/autofi-llms.txt
- type: Authentication
  url: authentication/autofi-authentication.yml
- type: OAuthScopes
  url: scopes/autofi-scopes.yml
- type: Conventions
  url: conventions/autofi-conventions.yml
- type: Lifecycle
  url: lifecycle/autofi-lifecycle.yml
- type: Conformance
  url: conformance/autofi-conformance.yml
- type: ErrorCatalog
  url: errors/autofi-problem-types.yml
- type: DataModel
  url: data-model/autofi-data-model.yml
- type: Sandbox
  url: sandbox/autofi-sandbox.yml
- type: RateLimits
  url: rate-limits/autofi-rate-limits.yml
- type: Plans
  url: plans/autofi-plans-pricing.yml
- type: Packages
  url: packages/autofi-packages.yml
- type: MCPServer
  url: mcp/autofi-mcp.yml
- type: ToolCrosswalk
  url: mcp/autofi-tool-crosswalk.yml
- type: WellKnown
  url: well-known/autofi-well-known.yml
- type: Webhooks
  url: asyncapi/autofi-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Overlay
  url: overlays/autofi-api-overlay.yaml
x-enrichment:
  date: '2026-08-14'
  status: enriched
  artifacts_added: 31
  pass: local-v1
  note: Round 2 overturned round 1's "no public API surface" finding. The AutoFi OpenAPI 3.0.0 was live the whole time, embedded
    as Redoc hydration state in https://api.autofi.com/api.html — 11 operations, 174 schemas — and a live OAuth-protected
    MCP server was found behind the trailing-slash form of /.well-known/oauth-protected-resource on the marketing host.

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