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Loan Glossary

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SSN - SSN stands for social security number. Sticker Price
The sticker price is another term used for MSRP or the list price. This price is the amount recommended by the manufacturer.
Tax
A tax differs from state to state and is based on how expensive the automobile is. There are additional taxes for different types of vehicles as well depending on the state.
Term
The term is the duration of the loan.
Title
The title is the official evidence that a person owns the vehicle.
Title Search
A title search is done to find out who legally owns a certain property by a detailed exam of municipal and public records. A title company would be the best choice to do a title search.
Trade-in Value
Trade-in value is the worth of the vehicle that the buyer is using as a portion of the purchase.
Truth-In-Lending Act
The Truth-In-Lending Act is a law that requires that the terms of the loan agreement and all costs involved appear on the contract between the lender and the borrower.
Unapplied for Credit
Unapplied for credit is where credit was not applied for but show up because they are unpaid bills.
Underwriting
Underwriting is verifying the applicants information and deciding whether to approve or deny the application for the loan.
Upside-down
Upside-down is a term used to refer to a customer who owes more on a vehicle than the vehicle is worth.
Vehicle Identification Number (VIN)
The vehicle identification number or VIN is a code that is seventeen characters long and identifies each vehicle in the world individually.
Verification of Employment
Verification of employment is when the borrower’s place of employment gives written documentation that the borrower is employed there, their position, and income.

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