Packages & Quotes

Lenders are able to provide services which return a list of applicable financial products, as well as provide bespoke, per-customer and per-vehicle finance quotations.

Package service

In most cases, a user will be required to select a variant of a financial product before obtaining a finance quotation.

The finance type, eg: HP, PCP etc, will have already been selected. However, lenders may provide a tailored list of available products based on vehicle age and identifiers, or other factors.

The returned products are persisted to the DealTrak database, and used as the basis for the products made available to the user.

Example products request

<?xml version="1.0" encoding="UTF-8"?>
<products_request>
  <business_proposal>false</business_proposal>
  <finance_type_id>1</finance_type_id>
  <vehicle_type_id>1</vehicle_type_id>
  <vehicle_newused_id>2</vehicle_newused_id>
  <capcode>NMZS15SE 5HHIA  2</capcode>
  <username/>
  <password/>
  <identifier>56422103</identifier>
  <vehicle>17500</vehicle>
  <vehicle_vat>0</vehicle_vat>
  <deposit>7000</deposit>
  <settlement>0</settlement>
  <part_ex>0</part_ex>
  <mileage>505</mileage>
  <annual_mileage>12000</annual_mileage>
  <first_reg>2025-06-16</first_reg>
  <reg_no>AB12CDE</reg_no>
  <accessories>100</accessories>
  <accessories_vat>20</accessories_vat>
  <options>500</options>
  <options_vat>100</options_vat>
  <vaps_total/>
  <term>60</term>
  <customer><!-- see note below -->
    <title>1</title>
    <forename>Fred</forename>
    <surname>Smith</surname>
    <dob>1987-12-22</dob>
    <gender>1</gender>
    <flat/>
    <house_name/>
    <house_number>38</house_number>
    <street>Hazelmere Close</street>
    <district/>
    <towncity>Gloucester</towncity>
    <county>Gloucestershire</county>
    <postcode>GL4 6WN</postcode>
    <uk_address>true</uk_address>
    <years>5</years>
    <months>3</months>
  </customer>
  <transaction>0e6846d1-c4ea-4062-b2aa-b04f94b7d2be</transaction>
</products_request>

<username>, <password> and <identifier> can be configured on a per-dealer basis to identify the site requesting the products, and HTTP basic authentication can also be enabled.

The numeric values can be obtained from the enumerations list.

The <transaction> GUID is a unique identifier for the transaction.

The <customer> section does not appear by default, and can be enabled on request. The purpose of this section is to allow risk-based pricing and/or indication of likelihood of acceptance.

Example products response

<?xml version="1.0"?>
<products_response>
  <package><!-- multiple package nodes can be returned at once -->
    <package>New Vehicle Promotion July 2026</package>
    <product_code>12345</product_code>
    <finance_type_id>1</finance_type_id>
    <min_apr>8.90</min_apr>
    <max_apr>12.90</max_apr>
    <min_advance>2000.00</min_advance>
    <max_advance>300000.00</max_advance>
    <min_term>12</min_term>
    <max_term>60</max_term>
    <max_vehicle_age>156</max_vehicle_age>
    <closure_fee>10.00</closure_fee>
  </package>
  <customer><!-- only returned if configured -->
    <apr_rate>8.90</apr_rate>
    <max_advance>23000</max_advance>
    <max_payment>330</max_payment>
    <acceptance_probability>88%</acceptance_probability><!-- string value -->
    <quote_available>true</quote_available>
  </customer>
</products_response>

If quote <quote_available> is false, the user cannot proceed to request a quote.

Quote service

Personalised quotations can be returned, and the quotation request contains all available figures on the proposal.

Example quotation request

<?xml version="1.0" encoding="UTF-8"?>
<quote_request>
  <business_proposal>false</business_proposal>
  <finance_type_id>2</finance_type_id>
  <vehicle_type_id>1</vehicle_type_id>
  <vehicle_newused_id>2</vehicle_newused_id>
  <term>49</term>
  <capcode>FOFI10X555HPTM  9</capcode>
  <cap_id>93158</cap_id>
  <rate_type>APR</rate_type>
  <apr_rate>13.5</apr_rate>
  <flat_rate>7.04</flat_rate>
  <username>42fbd4d7-81bc-ea11-a812-000d3ab9b226</username>
  <password/>
  <acceptance_fee>0</acceptance_fee>
  <acceptance_fee_method/>
  <closure_fee>1</closure_fee>
  <closure_fee_method/>
  <product_code>PCP</product_code>
  <part_ex>770.49</part_ex>
  <part_ex_reg/>
  <settlement>0</settlement>
  <rfl>195</rfl>
  <reg_fee>0</reg_fee>
  <delivery>0</delivery>
  <delivery_vat>0</delivery_vat>
  <identifier/>
  <package_cap_perc>0</package_cap_perc>
  <identifier_cap_perc/>
  <vehicle>10961</vehicle>
  <vehicle_vat>0</vehicle_vat>
  <deposit>2000</deposit>
  <mileage>45411</mileage>
  <annual_mileage>6000</annual_mileage>
  <first_reg>2021-09-01</first_reg>
  <reg_no>CU71EUH</reg_no>
  <make>FORD</make>
  <model>FIESTA HATCHBACK</model>
  <style>1.0 EcoBoost Hybrid mHEV 155 ST-Line X Edition 5dr</style>
  <vin>WF0JXXGAHJMJ18562</vin>
  <year_of_manufacture>2021</year_of_manufacture>
  <engine_size>1000</engine_size>
  <accessories>25</accessories>
  <accessories_vat>5</accessories_vat>
  <accessories_list>
    <item>
      <description>Fuel Charge</description>
      <net>25.00</net>
      <vat>5.00</vat>
      <accessory_type_id>1</accessory_type_id>
    </item>
  </accessories_list>
  <options>0</options>
  <options_vat>0</options_vat>
  <vap>1048</vap>
  <vaps>
    <item>
      <product_id>0</product_id>
      <type_id>9</type_id>
      <supplier_id/>
      <product_code/>
      <product>SMART Plus 48 Months</product>
      <premium>499.00</premium>
      <ipt>0.00</ipt>
      <vap_term>48</vap_term>
      <tax_type>IPT</tax_type>
    </item>
    <item>
      <product_id>0</product_id>
      <type_id>11</type_id>
      <supplier_id/>
      <product_code/>
      <product>Motor Assured 36 Month Warranty</product>
      <premium>549.00</premium>
      <ipt>20.00</ipt>
      <vap_term>36</vap_term>
      <tax_type>VAT</tax_type>
    </item>
  </vaps>
  <transaction>d0c9b5cd-0873-432b-a85f-f6d37f9c8c41</transaction>
</quote_request>

As with other request types, the numeric values can be obtained from the enumerations list.

Example quotation response

<?xml version="1.0"?>
<quote_response>
  <finance_type_id>2</finance_type_id>
  <product>PCP</product>
  <payment>180.53</payment>
  <balance>12986.44</balance>
  <apr_rate>12.9</apr_rate>
  <first_payment>180.53</first_payment>
  <final_payment>4321</final_payment>
  <valid>1</valid>
  <commission>577.27411</commission>
  <total_charge>3522.93</total_charge>
</quote_response>

Fields are self explanatory, however the only required element is the <payment> field and <valid>1</valid>.

Error messages may also be returned, in the case that a quote cannot be issued.

<?xml version="1.0"?>
<quote_response>
  <errors>
    <error>Override Business Rule Failed: Negative Equity: No longer allowed as a personal loan please add
additional deposit to continue</error>
  </errors>
</quote_response>