# ExoticCar.Loans: exotic and classic car loan calculator (remote · exoticcar.loans)

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

- Trust score: 70/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `exoticcar.loans`: 70/100 (this document), [markdown](https://verifymcp.io/servers/loans-exoticcar-exoticcar-loans/exoticcar.md), [page](https://verifymcp.io/servers/loans-exoticcar-exoticcar-loans/exoticcar)

## Channel facts

- Endpoint: `https://exoticcar.loans/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.2026.1101.1`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 74/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Nothing on it is marked destructive, but we can't show that an anonymous caller can only read: full credit needs the server to list at least one tool and every tool to be verifiably read-only. We use a best-effort check of tool names and descriptions to tell read-only tools from tools that change things, so some genuinely read-only tools may not get full credit. Names that start with a read verb (get, list, read, search and similar) and accurate readOnlyHint annotations help. Meet that to earn full credit, or require authorisation.
  - HTTPS is enforced; there's no plaintext access path.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 59/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 1121 tokens (~280/item across 4 items; 4 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 13/100
  - Stability observed for 4 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 4 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 5 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

## Install

### How do I install the ExoticCar.Loans: exotic and classic car loan calculator MCP server?

ExoticCar.Loans: exotic and classic car loan calculator is a hosted endpoint at https://exoticcar.loans/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http loans-exoticcar-exoticcar-loans 'https://exoticcar.loans/mcp'
```

### Cursor

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

### VS Code

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

### Codex

```toml
[mcp_servers.loans-exoticcar-exoticcar-loans]
url = "https://exoticcar.loans/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "loans-exoticcar-exoticcar-loans": {
      "type": "remote",
      "url": "https://exoticcar.loans/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add loans-exoticcar-exoticcar-loans --url 'https://exoticcar.loans/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  loans-exoticcar-exoticcar-loans:
    url: "https://exoticcar.loans/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "loans-exoticcar-exoticcar-loans": {
      "Transport": "http",
      "Url": "https://exoticcar.loans/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add loans-exoticcar-exoticcar-loans -t streamable-http -u 'https://exoticcar.loans/mcp'
```

### Other

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

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-04 (score 70, +1)

No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-03 (score 69, 0)

- [security] The server rewrote its instructions, which are the text every model session reads

### 2026-11-02 (score 69, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-11-01 (score 68)

First indexed and scored.

## MCP tools (4)

### `calculate_exotic_car_loan` (~374 tokens)

Exotic or classic car loan payment, with balloon and equity

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.

Input parameters:

- `apr` (number, required): APR in percent from the borrower's own quote, e.g. 8.5. This server has no rate of its own.
- `balloon_pct` (number): Balloon due with the last payment, as a percent of the price, 0 to 60. Default 0.
- `down` (number): Down payment in dollars. Default 0.
- `finance_tax` (boolean): Roll the sales tax into the loan (true, default) or pay it at signing (false).
- `model` (string): Depreciation preset from https://exoticcar.loans/depreciation/ (annualized published figure). Default "all-vehicles" (iSeeCars all-vehicle benchmark). Ignored when value_change_pct is given.
- `months` (integer, required): Term in months, 36 to 180 (the site offers 36, 48, 60, 72, 84, 96, 120, 144, 180).
- `price` (number, required): Purchase price in US dollars, e.g. 250000.
- `sales_tax_pct` (number): Sales tax rate in percent. Default 0.
- `value_change_pct` (number): Your own expected change in the car's value per year, percent; negative = losing value (e.g. -5). Overrides model.

### `compare_exotic_car_loan_terms` (~309 tokens)

Compare terms and balloons for one car

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.

Input parameters:

- `apr` (number, required): APR in percent from the borrower's own quote, e.g. 8.5. This server has no rate of its own.
- `down` (number): Down payment in dollars. Default 0.
- `finance_tax` (boolean): Roll the sales tax into the loan (true, default) or pay it at signing (false).
- `model` (string): Depreciation preset from https://exoticcar.loans/depreciation/ (annualized published figure). Default "all-vehicles" (iSeeCars all-vehicle benchmark). Ignored when value_change_pct is given.
- `options` (array, required): Term and balloon combinations, e.g. [{"months":120},{"months":180},{"months":120,"balloon_pct":30}].
- `price` (number, required): Purchase price in US dollars, e.g. 250000.
- `sales_tax_pct` (number): Sales tax rate in percent. Default 0.
- `value_change_pct` (number): Your own expected change in the car's value per year, percent; negative = losing value (e.g. -5). Overrides model.

### `get_car_depreciation` (~109 tokens)

Published depreciation figures by model

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.

Input parameters:

- `query` (string): Make or model to search for, e.g. "Porsche", "911", "Urus". Omit for all rows.

### `get_specialty_car_lenders` (~108 tokens)

Published terms from exotic and classic 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.

Input parameters:

- `name` (string): Lender name to search for, e.g. "Woodside".
- `type` (string): Kind of lender. Default all.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/loans-exoticcar-exoticcar-loans/exoticcar#diagnostics

## Score history

- 2026-11-05: 70
- 2026-11-04: 70
- 2026-11-03: 69
- 2026-11-02: 69
- 2026-11-01: 68

## Common questions

### What is the ExoticCar.Loans: exotic and classic car loan calculator MCP server?

ExoticCar.Loans: exotic and classic car loan calculator is an MCP server listed in the public MCP registry as loans.exoticcar/exoticcar-loans. Exotic and classic car loan payments with balloons, equity by year, depreciation and lender terms. This page covers its hosted endpoint (https://exoticcar.loans/mcp).

### Is the ExoticCar.Loans: exotic and classic car loan calculator MCP server safe to use?

ExoticCar.Loans: exotic and classic car loan calculator scores 70 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the ExoticCar.Loans: exotic and classic car loan calculator MCP server expose?

ExoticCar.Loans: exotic and classic car loan calculator exposes 4 tools: calculate_exotic_car_loan, compare_exotic_car_loan_terms, get_car_depreciation, get_specialty_car_lenders. Their descriptions and schemas cost roughly 900 tokens of context every time the server is loaded.

### Does the ExoticCar.Loans: exotic and classic car loan calculator MCP server require authentication?

No. We connected to ExoticCar.Loans: exotic and classic car loan calculator without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the ExoticCar.Loans: exotic and classic car loan calculator MCP server still maintained?

ExoticCar.Loans: exotic and classic car loan calculator is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

### What did VerifyMCP test on the ExoticCar.Loans: exotic and classic car loan calculator MCP server?

VerifyMCP ran 13 checks on ExoticCar.Loans: exotic and classic car loan calculator, covering TLS certificate, Authorization, HTTPS, HSTS header and 9 more. Supply Chain Security and Provenance & Transparency do not apply to a hosted endpoint, so they were not tested. The score does not measure everything, and the scoring documentation lists what it leaves out.

## Links

- Remote endpoint: https://exoticcar.loans/mcp
- Website: https://exoticcar.loans/developers/
- Changelog RSS feed: https://verifymcp.io/servers/loans-exoticcar-exoticcar-loans/exoticcar.xml
- Changelog JSON feed: https://verifymcp.io/servers/loans-exoticcar-exoticcar-loans/exoticcar/changelog.json
- Trust report (JSON): https://verifymcp.io/servers/loans-exoticcar-exoticcar-loans/exoticcar.json
- HTML version of this page: https://verifymcp.io/servers/loans-exoticcar-exoticcar-loans/exoticcar