1099FIRE, a division of National Software, Inc.
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1099FIRE, a division of National Software, Inc.
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IRS Form 1098-VLI (Tax Year 2026)

Vehicle Loan Interest Reporting. We handle the entire IRS filing process.

  • No TCC. No ID.me.
    No IRS Setup Required
  • Secure. Compliant.
    IRS A2A-Approved
  • Fast, Accurate,
    and Hassle-Free

IRS Form 1098-VLI is used to report vehicle loan interest received by lenders during the tax year. We securely prepare, validate, and electronically file your forms through the IRS IRIS A2A channel.

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IRS FIRE is closing After Nov. 19, all e-filing moves to IRIS. We're ready. Are you?
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IRIS Filing Pricing

Starting at
$249
per filing + $0.28 per recipient
Included
  • Each filing covers one form type
  • Unlimited payers (EINs) in one filing
  • Combined Federal/State filing, where applicable
Add-ons
Printing and mailing We print and mail recipient copies for you.
Additional fee
TIN matching Check names and TINs against IRS records before you file.
Additional fee
Client sub-accounts File each client on its own. Add them anytime, billed later with recipient fees.
$20 each
Corrections and prior years Fix a return that's already filed, or catch up on past years through IRIS.
Ask for pricing

Secure IRIS A2A Filing

  • Filed directly through our IRS A2A-approved channel
  • No TCC, ID.me, or IRS setup needed on your end
  • Data checked as you upload it, then you approve PDF copies before we file
  • SOC 2 compliant portal for secure file handling

Want pricing for your filing?

Filing high volumes or several form types? Tell us roughly how many forms you file and we'll send a custom quote.

Get a custom quote

Prefer to talk? Call (480) 706-6474

25+ Years Experience IRS A2A Approved U.S.-Based Support
Get ready to file with IRIS Free guides and templates from our resource center.
IRIS vs. FIRE FAQ Filing season checklist Your filing options IRS form page All resources

How OUR IRIS SYSTEM Works

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Upload Your File

Upload your Excel or CSV file securely.

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Checked on Upload

Our portal checks your data as you upload it and cleans up invalid characters. Fix any errors on screen or in a marked-up Excel file.

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Review & Approve

We generate IRS-ready PDFs for your approval.

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Filed Directly to IRS

Your forms are e-filed securely using IRIS.

No manual processing. Fully automated IRIS submission.

Frequently Asked Questions (FAQs)

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Our filing service simplifies the IRS electronic filing process by handling the technical preparation and transmission for you.

You securely provide your Excel or CSV filing data and we handle:

  • Data validation and review
  • IRS-compliant filing preparation
  • Recipient PDF generation
  • Electronic filing through the IRS IRIS system
  • Filing confirmations and support

This allows lenders and financial institutions to outsource the filing process without managing IRS systems internally.

Tax Year 2026 marks the first filing season for Form 1098-VLI. New IRS forms often introduce:

  • New electronic filing requirements
  • Updated formatting specifications
  • New validation rules
  • Additional compliance procedures

Many businesses prefer outsourcing new form filings to avoid dealing with changing IRS specifications and setup requirements internally.

IRS IRIS is the IRS electronic filing platform used for many information returns.

We electronically transmit filings through the IRS A2A (Application-to-Application) channel, which securely sends filing data directly to the IRS through an approved automated connection. This process helps improve filing accuracy and streamline electronic filing for new IRS forms like Form 1098-VLI.

No. We file using our approved IRS credentials through the IRIS A2A channel on your behalf.

You do not need:

  • A TCC (Transmitter Control Code)
  • An ID.me account
  • IRS IRIS registration
  • XML filing knowledge
  • IRS transmission software

We manage the technical filing requirements and IRS transmission process for you.

Yes. As IRS guidance and specifications evolve for Form 1098-VLI, we continue updating filing procedures, validations, and correction handling requirements to support compliant electronic filing.

New IRS forms often come with evolving specifications, changing validation rules, and additional compliance requirements. Outsourcing eliminates the need to:

  • Learn new IRS filing procedures
  • Build XML filing workflows
  • Manage IRIS setup and approvals
  • Monitor IRS specification updates
  • Troubleshoot new transmission errors

Our service helps simplify compliance during the first years of Form 1098-VLI reporting.

Yes. We handle large-volume filings, multiple payers, and bulk TIN matching. 

1098 VTI
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