autoloanctl

Auto loan underwriting and calculations. Part of the LendCtl Suite.

Features

• LTV Calculation — With max LTV by credit tier
• Payment Calculation — Monthly payment and total cost
• Term Comparison — Compare payment across terms
• GAP Analysis — Identify underwater loan risk
• Dealer Reserve — Calculate spread and reserve

Installation

npm install -g autoloanctl

Quick Start

Calculate LTV

autoloanctl ltv --loan-amount 28000 --vehicle-value 32000 --credit-score 700

Calculate Payment

autoloanctl payment --amount 25000 --rate 6.5 --term 60

Compare Terms

autoloanctl payment --amount 25000 --rate 6.5 --compare --credit-score 720

Commands

autoloanctl ltv

Calculate loan-to-value ratio.

Options:

• --loan-amount <amount> - Loan amount (required)
• --vehicle-value <value> - Vehicle value (required)
• --credit-score <score> - Credit score (default: 700)
• --condition <type> - new|used|certified (default: used)

autoloanctl payment

Calculate monthly payment.

Options:

• --amount <amount> - Loan amount (required)
• --rate <rate> - Interest rate % (required)
• --term <months> - Term in months (default: 60)
• --compare - Compare multiple terms

Credit Tiers & Max LTV

| Tier | Score | New | Certified | Used | |------|-------|-----|-----------|------| | Superprime | 720+ | 130% | 125% | 120% | | Prime | 680-719 | 120% | 115% | 110% | | Near-prime | 620-679 | 110% | 105% | 100% | | Subprime | <620 | 100% | 95% | 90% |

License

Apache-2.0 © Satyan Avatara