Rateous turns four numbers into one answer: the real interest rate. Credit score. Vehicle age. Loan term. Equity. No credit pull, no guesswork, no waiting on the finance office.
Lenders price every auto loan with risk-based pricing. Rateous runs the same formula, tuned to real-world lending matrices and pinned to the current federal discount rate, so the rate moves when the Fed moves.
Nine credit tiers from deep subprime to 760 and up. The single biggest lever on the rate.
Current-year through 7 years and older. Older metal, higher risk, higher rate.
From 48 months or less out to 84. Longer terms stretch the risk and the rate.
Down payment, trade equity and rebates versus price. Loan-to-value bands from under 80% to 139%.
Rateous is a gated internal tool for dealerships. Give your sales and finance teams an instant, defensible rate quote while the customer is still at the desk.