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 persctl

Quick Start

Check Eligibility

persctl eligible --amount 15000 --income 75000 --credit-score 720

Calculate Payment

persctl payment --amount 10000 --credit-score 720 --term 36

Compare Terms

persctl payment --amount 10000 --credit-score 720 --compare

Commands

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