KBB is an auto industry pricing guide; KBB stands for "Kelley Blue Book." KBB is a recognized wholesale appraisal guidebook that provides guidance on the auto's value at any given time, and gives the book value of a used auto in a specific market area. The KBB pricing guide is used to determine the "loan-to-value ratio" primarily in California, as well as the 49 remaining states. The "loan-to-value ratio" is a ratio used to determine the amount of money a lender will loan based on the value of the auto. It is calculated by dividing the loan amount by the Retail Value or Manufacturer's Suggested Retail Price (MSRP).
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