United Auto Credit (UACC) API integration services

Indirect auto-finance footprint

UACC focuses on customers who fall outside prime credit grades. For dealer groups, BHPH operators, F&I platforms, and credit-rebuilding fintechs, programmatic access to a borrower's UACC loan state is a prerequisite for dealer-side reporting, refinance offers, and customer-relationship workflows that span multiple lenders.

Real-time servicing signals

The redesigned app surfaces real-time updates on balance and payment posting. Wired into your stack, those same signals power early-warning collections, refi triggers when LTV improves, and consolidated household-finance dashboards alongside checking-account data.

Section 1033 readiness

The CFPB finalized its Section 1033 Personal Financial Data Rights rule in October 2024, with phased compliance beginning April 2026. Auto-loan data falls within the FDX v6.4 loan-account schema. Customers who authorize a third-party recipient have a right to standardized access to their UACC servicing data — and that is exactly the integration we build.

Account login & session bridge

Mirror the UACC app's mobile authorization (username / password, optional biometric / face-recognition unlock added in 2025) into a server-side session that your backend can refresh. We deliver a token-refresh worker that survives 401/403 rotations without forcing users to re-authenticate.

Balance & payoff inquiry

Endpoint that returns current balance, principal, accrued interest to-date, and a payoff figure good through a caller-supplied date. Used by refinance brokers and trade-in tools that need a deterministic payoff quote at the moment of dealer worksheet generation.

Payment history API

Returns posted and pending entries with amount, channel (ACH, debit card, money order), and applied splits across principal, interest, and fees. Supports paging, ISO-8601 date ranges, and an optional reconciled flag for accounting tools such as QuickBooks Online.

AutoPay management

Reads the current AutoPay enrollment state (bi-weekly or monthly), the funding bank account on file (last four digits only), and the next scheduled draft. Write endpoints support enrolling, modifying, and cancelling AutoPay where the borrower's authorization permits.

Statement export

Pulls the monthly billing statement (issued roughly 14 days before the due date) as a structured JSON envelope plus a binary PDF. Optional Excel rendering for back-office reconciliation; webhook variant for new-statement notifications.

Account notifications webhook

Subscribes to the same event stream the mobile app uses for in-app notifications: payment posted, payment failed, statement ready, AutoPay change, due-date reminder. Delivered to your endpoint as signed JSON for downstream alerts and CRM updates.

1. Dealer F&I refinance trigger

Used by indirect dealer groups that sold the original UACC loan. Inputs: customer consent token, VIN, and account ID. The job polls balance, payment-on-time count, and current LTV against a vehicle-value feed. When the borrower crosses an internal threshold (e.g. 12 on-time payments and improved equity), it raises a refinance lead in the dealer CRM. Maps to FDX loan-account + payments resources.

2. Personal-finance app aggregation

An end-user PFM (similar in spirit to FDX-driven banking aggregators) lets the consumer link their UACC account alongside checking and credit card data. Our connector returns balance, next-due, AutoPay state, and 24 months of history into the PFM's normalized loan model so monthly cash-flow planning includes the auto loan.

3. Accounting & bookkeeping sync

For sole proprietors who use a financed vehicle for business, our integration pushes each statement into QuickBooks Online or Xero, splitting principal vs. interest into separate ledger lines. Statement JSON is mapped to standard COA codes; the binary PDF is attached to the journal entry for audit.

4. Collections early-warning

Used by third-party collections-prevention vendors that work with UACC borrowers. Webhook-driven: a payment-failed event opens a soft outreach (SMS / email) within minutes, while a borrower self-service reschedule API attempts to restage the missed payment. Reduces 30-day-past-due conversion.

5. Credit-builder reporting

Fintechs that report on-time payments for credit-rebuilding products read 12 to 36 months of UACC payment history with applied-amount detail and translate it into Metro 2 trade-line attestations. Useful where the borrower wants supplemental reporting beyond the lender's primary furnishment.

Auth: session bridge

POST /api/v1/uacc/session
Content-Type: application/json

{
  "username": "<UACC_USER>",
  "password": "<UACC_PASSWORD>",
  "device_hint": "ios-2.0.30",
  "consent_id": "c_98f1..."
}

200 OK
{
  "access_token": "eyJhbGciOi...",
  "refresh_token": "rft_a91...",
  "token_type": "Bearer",
  "expires_in": 1800,
  "account_ids": ["uacc_8821042"]
}

Balance & payoff inquiry

GET /api/v1/uacc/accounts/uacc_8821042/balance
Authorization: Bearer <ACCESS_TOKEN>

200 OK
{
  "account_id": "uacc_8821042",
  "as_of": "2026-04-28T14:02:11Z",
  "current_balance": 12480.55,
  "principal_balance": 12118.40,
  "next_due_date": "2026-05-12",
  "next_due_amount": 412.18,
  "past_due_amount": 0.00,
  "payoff": {
    "good_through": "2026-05-05",
    "amount": 12552.10
  },
  "autopay": {
    "enrolled": true,
    "frequency": "MONTHLY",
    "funding_account_last4": "4421"
  }
}

Payment history with paging

GET /api/v1/uacc/accounts/uacc_8821042/payments
  ?from=2025-04-01&to=2026-04-28&cursor=eyJpZCI6IjQ5In0
Authorization: Bearer <ACCESS_TOKEN>

200 OK
{
  "items": [
    {
      "payment_id": "pmt_55102",
      "posted_at": "2026-04-12",
      "amount": 412.18,
      "channel": "ACH",
      "status": "POSTED",
      "applied": {
        "principal": 318.04,
        "interest": 87.55,
        "fees": 6.59
      }
    }
  ],
  "next_cursor": "eyJpZCI6IjQ4In0",
  "has_more": true
}

# Errors are surfaced as RFC 7807 problem+json
# 401 unauthorized, 409 autopay_conflict, 423 account_locked

Deliverables checklist

• OpenAPI 3.1 specification for every endpoint, normalized toward FDX v6.4
• Protocol & auth flow report (login, refresh, biometric unlock variant, error matrix)
• Runnable source for login, balance, payment-history, AutoPay, and statement endpoints (Python or Node.js)
• Webhook receiver template for account events
• Automated test suite with recorded fixtures for offline replay
• Compliance guidance: Section 1033 readiness checklist, GLBA-aligned logging, consent-record schema

Engagement models

• Source-code delivery from $300 — receive runnable API source code and full documentation; pay after delivery upon satisfaction.
• Pay-per-call API billing — call our hosted endpoints and pay only per request, with no upfront commitment.
• Hybrid arrangements available for teams that want to start hosted and graduate to self-hosted source code.

About us

We are an independent technical studio focused on app protocol analysis and authorized API integration. Our team blends mobile-platform reverse engineers, fintech backend engineers, and a former dealer-side F&I product manager. We have shipped connectors across US non-prime auto lenders, BNPL providers, and consumer banks, and we know how the FDX, CFPB 1033, and GLBA pieces fit together for production deployments.

• Auto finance, consumer banking, BNPL, and cross-border payments coverage
• Enterprise API gateway hardening and security reviews
• Custom Python / Node.js / Go SDKs and replayable test harnesses
• Full pipeline: protocol analysis → build → validation → compliance hand-off

Contact

Send us the target app (United Auto Credit, in this case), the data scopes you need, and any sandbox or test-account access you can share. We will respond with a scope, a timeline, and a fixed fee.

Contact page

Engagement workflow

1. Scope confirmation — endpoints, data fields, and consent posture (1 business day).
2. Protocol analysis and OpenAPI design (2–5 business days).
3. Build, normalize, and internal validation against fixtures (3–8 business days).
4. Documentation, sample clients, and replayable test pack (1–2 business days).
5. Hand-off and compliance review; total first delivery typically lands inside 5–15 business days.

FAQ

What do you need from me?

How long does delivery take?

How do you handle compliance?

Can you also cover other auto lenders?