# ExoticCar.Loans: exotic and classic car loan calculator

> Exotic and classic car loan payments with balloons, equity by year, depreciation and lender terms.

- name: loans.exoticcar/exoticcar-loans
- version: 1.2026.1101.1
- connection class: R0 (autonomous)
- trust: 82/100 flags: no-repository
- quality: 100/100 (strong)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/loans.exoticcar%2Fexoticcar-loans
- tools: https://api.protogrid.dev/v1/servers/loans.exoticcar%2Fexoticcar-loans/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "exoticcar-loans": {
      "type": "http",
      "url": "https://exoticcar.loans/mcp"
    }
  }
}
```


## Trust

- hygiene: 80
- liveness: 97
- freshness: 100
- provenance: 55
- drivers: +dns-namespace +website +reachable +uptime-94% +updated-12d-ago -no-repository
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 100/100 (strong)

### protocol: 100 (weight 25)

- pass `protocol.modern`: supports 2026-07-28 (server/discover)
- pass `protocol.stateless`: answers without a session
- pass `protocol.transport`: streamable HTTP
- pass `protocol.list_ttl`: tool list is cacheable (ttlMs 3600000)

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 100 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- pass `tools.annotations`: 4 of 4 tools declare readOnlyHint or destructiveHint
- pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
- pass `tools.token_cost`: about 1,587 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump
- pass `tools.hidden_text`: no hidden text in tool names, descriptions, schemas or annotations

### stability: 100 (weight 15)

- pass `stability.changes`: no tool changes in 30 days
- pass `stability.rug_pull`: no tool changed its meaning under the same name
- pass `stability.new_links`: no tool change named a new site

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 4, about 1,587 tokens to load them all
- tool set hash: 5f8ccb6370b6c9315aa3427a2a726955
- badge: [![protogrid quality](https://protogrid.dev/badge/loans.exoticcar/exoticcar-loans.svg)](https://protogrid.dev/servers/loans.exoticcar/exoticcar-loans)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

_No tool definition changes recorded._

## Remotes

- https://exoticcar.loans/mcp (streamable-http, auth none, reachable true, uptime30d 0.9361702)

## Packages

_none_

## Tools (4)

- `calculate_exotic_car_loan`: Monthly payment on an exotic, classic or collector car loan from your price, down payment, APR, term (36 to 180 months) and optional balloon, using the exoticcar.loans calculator math. Returns amount financed, balloon, total interest, cash at signing, and the estimated car value against the loan balance year by year, with the months (if any) when you would owe more than the car is worth.
- `compare_exotic_car_loan_terms`: Side-by-side payment, total interest, balloon and underwater stretch for 2 to 6 term and balloon combinations on the same car, price, down payment and APR (for example 120 vs 180 months, or 0% vs 30% balloon), using the exoticcar.loans calculator math.
- `get_car_depreciation`: Published five-year depreciation figures for exotic and luxury models (iSeeCars 2026 study and iSeeCars modeled estimates) annualized the way the calculator uses them, plus Hagerty Price Guide quarterly collector-value changes, each with source, period and date. Search by make or model, or omit query for every row.
- `get_specialty_car_lenders`: What collector-car lenders, lease companies, auction-house lenders and manufacturer captives publish about rates, loan amounts, terms, down payment and eligible cars (dealer, private party, auction, LLC titling), with a link to each lender's own page and the date read. Filter by type or search by name.