Live AI Decision Engine  ·  No Competitor Shows This

The actual routing brain.
Running live. In your browser.

Type in a FICO and a deal. Every one of the 19 lender programs below evaluates the deal against its underwriting box, posts a decision, and ranks itself. This is a live illustration of the credit-submission engine's underwriting logic — the same tier/rate/LTV structure as the platform's production lender catalog (8 active lenders), expanded here to 19 illustrative entries for a fuller demo. (This is a separate feature from the platform's lender-routing/reweighting engine, which ranks 58 real lenders by historical approval probability.)

Important: the 19 lenders named below are real companies. The minimum FICO, max LTV, and base-rate figures shown for each are illustrative numbers we constructed for this demo — not these lenders' actual, current underwriting criteria. Contact each lender directly for their real guidelines.

Routing Classification: Proven Observational In Progress
Amount financed
$30,250
LTV
96%
Credit tier
PRIME
Term
72 mo
Beat the Robot
Pick a lender. Watch the math.

Most F&I managers route on gut. Louie routes on the rules every lender uses. Pick one below and see whether your pick funds — and whose pick puts more reserve in your pocket.

0Your wins
0Louie wins
0Ties

Live score across this session. Pick a lender to start.

19 lender programs scored live

0 approved 0 counter 0 declined
Running deal through 19 lenders…
How this works. Each lender's simulateDecision() runs against the deal: min-FICO gate → LTV gate → term cap → credit-tier classification → base-rate lookup → probabilistic outcome roll (per-tier approve/counter/decline thresholds based on lender historical funding data). The rank order is the same heuristic our F&I AI uses to pick which lender gets the first-look submission. Full math behind every claim →

You just ran the routing engine. 963 more capabilities work the same way.

One price. Yours forever — no subscription, no per-deal fees, your data on your server. The same engine you just used ships with every Louie license, plus 19 base lender programs and the ability to add your own.

Own it forever — $24,995 → Join the Waitlist

See the full methodology →