aid: octane-lending
name: Octane Lending
description: 'Octane (Octane Lending, Inc.) is a New York City fintech founded in 2014 that makes
  powersports, outdoor power equipment and recreational-vehicle financing as simple as paying cash.
  It runs an end-to-end digital lending platform — instant soft-pull prequalification for consumers,
  real-time credit decisioning and eContracting through its in-house lender Roadrunner Financial,
  Inc., and loan servicing — connecting more than 4,000 dealer partners and 30-plus OEMs with prime
  through non-prime buyers. Its Dealer Portal 2.0 and dealer-management-system integrations (AppOne,
  Ekho and similar DMS platforms) submit credit applications and return decisions over a partner API
  whose credentials are coordinated privately by Octane account managers; Octane publishes no public
  developer portal, API documentation or machine-readable specification.'
image: https://octane.co/o/wp-content/uploads/2019/11/octane-sq-blue.png
url: https://raw.githubusercontent.com/api-evangelist/octane-lending/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: stub
x-tier-reason: harvest
specificationVersion: '0.23'
created: '2026-08-04'
modified: '2026-08-04'
tags:
- Company
- Financial Services
- Lending
- Consumer Finance
- Powersports
- Fintech
- Loan Origination
- Dealer Software
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/octane-lending-domain-security.yml
- type: Website
  url: https://octane.co/o/
- type: SecondaryMarket
  url: https://forgeglobal.com/octane-lending_stock/
- type: Blog
  url: https://octane.co/o/blog/
- type: Press
  url: https://octane.co/o/press/
- type: Support
  url: https://octane.co/o/who-we-are/contact-us/
- type: HelpCenter
  url: https://octane.co/o/who-we-are/help-faq/
- type: SignUp
  url: https://octane.co/o/dealer-signup/
- type: Login
  url: https://dealer.octane.co/
- type: TermsOfService
  url: https://octane.co/o/terms-of-service/
- type: PrivacyPolicy
  url: https://octane.co/o/privacy-policy/
- type: GitHubOrganization
  url: https://github.com/OctaneLending
- type: LLMsTxt
  url: llms/octane-lending-llms.txt
x-enrichment:
  date: '2026-08-04'
  status: minimal
  artifacts_added: 3
  pass: local-v1
x-coverage:
  state: gated
  reason: partner-login
  detail: >-
    Octane markets DMS integrations (AppOne, Ekho) but publishes no developer host at all —
    developer/docs/api.octane.co do not resolve — and the only reachable API host, los.octane.co
    (the Dealer Portal's API_BASE_URL, read from https://dealer.octane.co/config.js), 302s straight
    to the authenticated dealer portal, with partner API credentials coordinated one-to-one by an
    Octane account manager.
  evidence:
  - url: https://los.octane.co/
    status: 302
  - url: https://los.octane.co/openapi.json
    status: 404
  - url: https://dealer.octane.co/openapi.json
    status: 403
  - url: https://octane.co/.well-known/agent-card.json
    status: 404
  - url: https://ekho.com/integration/octane-lending/
    status: 200
  checked: '2026-08-04'