one applicant in → one score, one decision, one limit out · your API key stays in this browser
Credit history (Зээлийн мэдээллийн сан)
Scored by the v4 trained model: will a genuinely new loan go bad within 12 months
(Gini 0.47; class-history directions enforced monotone). Blank fields take neutral defaults
and are listed in the result.
Borrower
Зээлийн эрх (the rule-engine limit) is now an output, computed with your
own DSTI formula — income × 55% minus estimated payments on existing debt, annuitised at the
loan's rate and term — and shown in the result. Supplying it via the API still overrides the
estimate.
Loan being requested (optional)
Leave blank to underwrite the borrower without pricing a specific loan.
How the score works. Three checks — credit history, the borrower (age, income, tenure), this loan — each on 300–850. The universal
score is the lowest, never an average: a strength can never hide a weakness.
Thresholds come from Cash24's own economics, not legacy rules: blended APR 75.3%/yr →
6.3% interest per month; minus ~1.5% opex/funding; a default loses ~85% of principal (LGD).
So lending breaks even between 5.6% (net) and 7.4% (gross) monthly default risk —
against a book average of 4.48%, that is 1.25× and 1.65× average risk. The model's
relative risk maps those to score cutoffs, shown with every result.
Indicative until the shadow run re-anchors the probabilities; a borrower already in default
elsewhere is a policy REFER regardless of score.
Collection score C1–C5
Separate product: for borrowers ALREADY in trouble (open loan class 02+). Predicts
full cure in 6 months and carries the measured recovery / LGD per band. Uses the credit-history
fields above — set "Worst open class now" to 02+ — plus the two fields below.
Service status at /health · model details at /modelcard (needs your API key)