E-File Form 1098-VLI Online | How to File Form 1098-VLI

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Form 1098-VLI: What You Need to Know

Form 1098-VLI is used by lenders to report interest received on a Specified Passenger Vehicle Loan (SPVL) to the IRS and the borrower. It generally reports the interest received during the calendar year, along with the vehicle's year, make, model, and VIN.

Anyone who receives $600 or more in SPVL interest in the course of a trade or business must file Form 1098-VLI with the IRS and furnish the required copy to the payer of record.

One Platform, Built for However You File Form 1098-VLI

Whether you're filing one form or ten thousand, TaxBandits fits the way you already work.

For Auto Lenders / Dealers

Filing It Yourself

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Built-In W-9 Collection
Real-Time TIN Matching
AI Assistant
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For Tax Professionals

Filing for Clients

Handle every client's filing from a single dashboard.

Multi-Client Dashboard
Role-Based Team Access
Bulk Filing
Branded Client Portal

For Finance Companies / Loan Servicers

Filing at Scale

Pull data from your own systems and forms in bulk.

Custom Data Ingestion
Complex Compliance Support
API Access
Dedicated Support

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Everything Your Form 1098-VLI Filing Actually Needs

Every stage of Form 1098-VLI filing, from data collection to borrower delivery, handled in one place.

Bulk Upload

Import 1098-VLI data using our standard CSV template.

Address Book

Save lender and payer of record information for future filings.

W-9 Collection

Collect W-9s online from the payer of record before preparing your forms.

Smart Audit & Review

Identify missing information before filing.

TIN Matching

Verify payer of record TINs before submitting forms.

Address Verification

Verify payer of record addresses before delivery.

Federal Filing

File your federal 1098-VLI forms electronically through one submission.

Schedule Filing

Prepare your forms in advance and choose when to transmit them.

Free Retransmission

Fix rejected returns and retransmit them without additional filing fees.

10-Year Storage

Access every filed 1098-VLI securely for a full decade.

AI & Live Support

Reach BanditAI instantly or a live rep when a question comes up mid-filing.

Postal Mailing

Mail payer of record copies and track them from dispatch to delivery.

Recipient Portal

Give the payer of record secure access to their 1098-VLI online.

Smart Mail

Automatically mail a paper copy if the online version goes unviewed.

Print & Mail Yourself

Download copies and print and mail on your own.

Foreign Mailing

Deliver copies to account holders located outside the U.S.

Attach Supporting Documents

Include supporting statements alongside the payer of record copy.

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Our Trusted Partners & Integrations for 1098-VLI E-Filing

Connect with the tools you already use

Join 100,000+ Businesses That Trust Taxbandits for 1098-VLI Filing

We file across several businesses and deadlines, and TaxBandits keeps all of it in one place. IRS compliance is easier to manage with validation, recipient delivery, and filing activity organized in a single workflow. That centralized view helps our team coordinate responsibilities, identify issues earlier, and keep each filing moving without relying on separate spreadsheets or disconnected status updates.

VP of Finance

Multi-entity tax advisory firm

Join 100,000+ Businesses That Trust Taxbandits for 1098-VLI Filing

TaxBandits gives our team a clear way to manage high-volume 1099 reporting across departments. Bulk uploads, built-in validation, and recipient delivery help us keep the process organized from preparation through filing. Having everything in one workflow gives our teams better visibility, reduces manual follow-up, and makes it easier to stay on track during peak filing periods.

Director of Tax Compliance

Higher education institution

Join 100,000+ Businesses That Trust Taxbandits for 1098-VLI Filing

With TaxBandits, we can manage large filing volumes without adding manual steps to every client workflow. The API, bulk processing, and filing-status visibility make it easier for our operations team to stay on top of deadlines. We can monitor activity across clients more consistently, respond to exceptions faster, and keep the filing process moving during our busiest reporting periods.

VP of Payroll Operations

Enterprise payroll provider

Automate End-to-End 1098-VLI Filing With
Our API

Connect our API directly to your existing systems without switching platforms or re-entering data. Collect borrower and vehicle details, validate information, and e-file Form 1098-VLI at year-end.

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POST /v1/Form1098VLI

Exclusive Tools Built for Tax Professionals and High-Volume Form 1098-VLI Filing

Manage more clients, lenders, and forms without adding more work to your day.

Bulk Filing & Data Ingestion

Import 1098-VLI data through bulk templates, accounting integrations, or API, no matter your filing volume.

Client Management

Track every client's filings and status from one place instead of a separate spreadsheet per client.

Branded Client Portal

Give each client a portal and communications that carry your firm's own brand, not ours.

Team Management

Add team members and assign preparer, approver, and transmitter roles based on their responsibilities.

Flexible Payment Options

Get volume discounts as your filing count grows, with prepaid credits for flexible payment.

Custom Reports

Pull reports on team performance and client filings to see where the time actually goes.

For high-volume filing, call (704) 684-4758 for custom pricing.

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What Information Is Required to E-File Form 1098-VLI Online

Gather these details before you start, and e-file Form 1098-VLI with TaxBandits in minutes.

Filer's Details

Name, TIN, and address

Lender's Details

Name, TIN, and address

Loan & Interest Details

Vehicle loan interest received from the payer of record during the calendar year

Loan origination or acquisition date
Outstanding principal as of January 1
Any refund or credit of prior-year overpaid interest

Vehicle Details

Year, make, model of the vehicle and Vehicle identification number (VIN)

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Start 1098-VLI e-filing with TaxBandits today.

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How to E-File Form 1098-VLI Online with TaxBandits

TaxBandits gives you flexible ways to bring in your Form 1098-VLI data, review each return, and complete filing from one workflow.

Import and Validate

Bring in your data via a CSV template or your own file, then review checks before submission.

CSV Templates

Integration Options

Bulk Upload

File with IRS

Submit your Form 1098-VLI electronically, with filing status updates from the IRS.

1098-VLI

Validate & Review

Submit to IRS

Track Filing Status

Distribute Recipient Copies

Send recipient copies by mail, through the online portal, or both.

Ready to e-file Form 1098-VLI with the IRS?

The Bandit Commitment

Ensuring Peace of Mind for Every Form 1098-VLI You File

Filing a 1098-VLI means more than submitting accurate information. The Bandit Commitment reflects how TaxBandits supports your filing from preparation through completion.

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Getting the right data in

Validate payer and recipient information before you submit your 1098-VLI forms.
Guided, end-to-end compliance

Federal filing, state filing, and recipient distribution are managed together.
No-cost corrections and retransmissions

Corrections and retransmissions are included at no extra cost.
Money-back guarantee

If a 1098-VLI cannot be accepted or was filed in duplicate, the filing fee is refunded.

Get the Industry's Best Pricing for Quick and Accurate 1099-A Filing

Pricing per form based on volume

No. of Forms	1-10	11-100	101-250	251-500	501-2000
Federal Filing	$2.75	$1.75	$1.15	$1.00	$0.80
State Filing (CF/SF)	FREE
Direct State Filing	$0.95 / form, filed with the federal form

Add-on

Price

USPS Address Validation

FREE

TIN Matching

$0.35 / TIN

Online Access

$0.50/recipient

Postal Mailing

$1.85/form

Postal (International)

$4.99/form

Postal + Online (Combo) 10% OFF

$2.12/form

Calculate Your Federal Filing Cost

How many forms?

forms

1 10 100 250 500 2000+

Estimated Total

$357.50

For Bulk Filers

Filing more than 2,000 forms?

Frequently Asked Questions to File 1098-VLI Online

Form 1098-VLI, Vehicle Loan Interest Statement, is an information return used by lenders to report interest received on a Specified Passenger Vehicle Loan (SPVL) during the calendar year.

The information may help borrowers determine whether they qualify for the vehicle loan interest deduction.

Lenders, including credit unions, banks, and other financial institutions, that receive $600 or more in SPVL interest from a borrower during the calendar year generally must file Form 1098-VLI. This requirement applies to interest received on qualifying personal-use vehicle loans.

The IRS filing deadline is expected to follow the standard Form 1098 series schedule: February 28, 027, for paper returns and March 31, 2027, for electronic returns. The statement must generally be furnished to the borrower by January 31, 2027. If a due date falls on a weekend or legal holiday, the deadline moves to the next business day.

Not necessarily. The interest must be received on a Specified Passenger Vehicle Loan, generally a loan originated after December 31, 2024, for a personal-use vehicle. Lenders should confirm loan eligibility against current IRS guidance before reporting.

To request an extension, file Form 8809 with the IRS on or before the original due date. This extension isn't automatic and is granted only in specific circumstances, which must be explained on the form. If you need more time to furnish recipient copies specifically, file Form 15397 by the original due date.