persctl
v0.1.3
Published
Personal loan underwriting and calculations - part of the LendCtl Suite
Maintainers
Readme
persctl
Personal loan underwriting and calculations. Part of the LendCtl Suite.
Features
- Eligibility Check — Income, DTI, credit-based approval
- Rate Quote — Personalized rate based on profile
- Payment Calculation — With origination fees
- Term Comparison — Compare 24/36/48/60 month terms
Installation
npm install -g persctlQuick Start
Check Eligibility
persctl eligible --amount 15000 --income 75000 --credit-score 720Calculate Payment
persctl payment --amount 10000 --credit-score 720 --term 36Compare Terms
persctl payment --amount 10000 --credit-score 720 --compareCommands
persctl eligible
Check loan eligibility.
Options:
--amount <amount>- Requested amount (required)--income <amount>- Annual income (required)--credit-score <score>- Credit score (required)--monthly-debt <amount>- Monthly obligations
persctl payment
Calculate monthly payment.
Options:
--amount <amount>- Loan amount (required)--credit-score <score>- Credit score (required)--term <months>- Term (default: 36)--compare- Compare all terms
Rate Tiers
| Tier | Score | Base Rate | |------|-------|-----------| | Excellent | 750+ | 7.99% | | Good | 700-749 | 11.99% | | Fair | 650-699 | 15.99% | | Poor | 600-649 | 22.99% | | Subprime | <600 | 29.99% |
License
Apache-2.0 © Satyan Avatara
