Vehicles to look up
Paste one VIN per line, or load a CSV. If you load a CSV, every original column is kept and the decoded fields are appended to the right.
NHTSA accepts 50 VINs per request, so longer lists are sent in batches of 50 and paced to stay inside the rate limit. A 300-VIN list takes about ten seconds; leave the tab open until the progress bar finishes.
Look up VINs
Load CSV or TXT
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Vehicle-side screen
Failures by test
Counts overlap where a vehicle fails more than one test.
Country of final assembly
Tallies fill in as results come back.
What this screen does and does not decide
A clear result here means the vehicle carries no disqualifier that the VIN can reveal. It does not mean the loan qualifies. The loan-level tests live in the origination file, not the VIN: originated after December 31, 2024, proceeds used to purchase the vehicle (a refinance qualifies only if the loan it refinanced itself qualified, the borrower is the same unless the change was caused by death, and only up to the refinanced loan's balance), the credit union holds a first lien, original use began with the borrower so the vehicle is genuinely new, and the borrower's use is personal rather than business. Negative equity rolled into the note has its own allocation problem. None of that is visible here.
Plant country is what the manufacturer submitted to NHTSA under 49 CFR Part 565. IRS guidance on this deduction points to the same NHTSA decoder for plant of manufacture, and to the final assembly point on the vehicle label. The first character of the VIN is a different thing. It identifies the world manufacturer, which often differs from where the vehicle was actually assembled.
A failed test means the NHTSA record shows something the statute excludes. Where the record is silent or could be read either way, the row goes to manual review instead. This tool never resolves a review row for you. Rows land in review for these reasons:
The VIN check digit does not calculate. Confirm the VIN against the title or the vehicle before relying on any other result for that row, because the stored VIN is what goes on the return.
The model year in your file does not match the year the VIN decodes to. Usually a typo in one or the other.
A Class 3 GVWR range whose upper bound touches 14,000 lb. Read the actual rating off the door jamb label.
A vehicle typed as a truck whose body class does not clearly say pickup, or a cab chassis.
A vehicle NHTSA types as a bus, a low speed vehicle, or an incomplete vehicle, or one with a motorhome body. Large passenger vans are often typed as buses. Whether these qualify depends on the vehicle as delivered and on how your credit union reads the rule, so the tool does not decide.
A record where the manufacturer never submitted plant or weight detail for that VIN pattern.
Resolve review rows against the door jamb label or the window sticker rather than assuming either way, and record how each one was resolved.
vPIC covers model year 1981 forward. Including a model year column improves decode accuracy where the 10th character is ambiguous across a 30-year cycle. The tool picks one up automatically if your file has a column with "year" in its name.
Every downloaded row carries the tool version and the date it was screened, so your records show what you relied on and when. NHTSA updates its catalog, and a VIN screened again later can return different detail.
Provided free and as is, for general information. Not legal, tax, accounting, or compliance advice, and no guarantee of regulatory compliance or examiner acceptance. Results depend on data manufacturers submit to NHTSA. Each credit union remains responsible for its own determinations.
This tool is free and always will be. If it saved you an afternoon, you can chip in at mycurisk.com/support and help keep it maintained.
