CrediWise is a full-stack financial technology application designed to bridge the gap between borrowers and lenders. It uses a custom Eligibility Engine to evaluate financial health, simulate credit scores, and provide transparent approval/rejection analysis.
🌐 Live Demo: credwise-five.vercel.app
- 🧠 Smart Eligibility Engine: Evaluates users against strict lender constraints (Income, FOIR, Credit Score, Employment).
- 📊 Credit Score Simulator: Estimates creditworthiness using alternative data points if a formal score is unavailable.
- ⚖️ FOIR & DTI Calculation: Automated Debt-to-Income analysis to prevent over-leveraging.
- 🔍 "Why Not?" Transparency: Detailed reports explaining exactly why an application was rejected.
- 🔄 What-If Simulator: Interactive sliders to see how changing income or tenure affects eligibility.
- 🛡️ Secure Auth: Integrated Firebase Authentication with JWT-protected Node.js routes.
- 💼 Admin Dashboard: Management portal for lenders to update loan products and view metrics.
- Frontend: Vanilla JavaScript (ES6+), HTML5, CSS3
- Backend: Node.js, Express.js
- Database: MongoDB (Mongoose ODM)
- Auth: Firebase Auth (Client) + Server-side JWT Verification
- Deployment: Vercel
| FOIR Range | Status | Outcome |
|---|---|---|
| < 40% | ✅ HIGHLY ELIGIBLE | Matches with premium lenders |
| 40% - 50% | Requires alternative data/higher interest | |
| > 50% | ❌ REJECTED | Debt-to-Income ratio too high |
crediwise-main/
├── server/ # Backend Logic
│ ├── config/ # DB & Firebase configurations
│ ├── controllers/ # Request handlers (API logic)
│ ├── services/ # The "Brain" (Eligibility Engine & Calculators)
│ ├── models/ # Mongoose Schemas
│ ├── routes/ # API Endpoints
│ └── middleware/ # Authentication & Security
├── public/ # Frontend Assets
│ ├── app.js # SPA State Management & UI Logic
│ ├── firebase-init.js # Dynamic Firebase config
│ ├── index.html # Main Entry Point
│ └── style.css # Custom UI/UX Design
└── package.json # Dependencies