Vehicle loan generation system: multiple vehicle loan offer generation

A computer system for generating multiple vehicle loan offers for an applicant comprising:

• one or more computer processors;
• and
• a program memory storing executable instructions that when executed by the one or more computer processors cause the computer system to:
• receive, by the one or more computer processor and via a graphical user interface, a vehicle loan application from an applicant,
• the vehicle loan application including vehicle loan information indicating a vehicle type,
• request, by the one or more computer processors, credit data associated with the applicant from a credit bureau;
• receive, by the one or more computer processors, the credit data associated with the applicant from the credit bureau, the credit data including a set of attributes for the applicant;
• generate, by the one or more computer processors, a first and a second vehicle loan offer based on the vehicle loan information and the set of attributes for the applicant, the generation occurring without user modification of conditions of the first or second vehicle loan offers
• each of the first and second vehicle loan offers having a corresponding vehicle loan monthly payment, vehicle loan amount, vehicle loan term, and vehicle loan annual interest rate, wherein the vehicle loan annual interest rate is determined, by the one or more computer processors, based off at least the vehicle loan information and the set of attributes for the applicant,
• the second vehicle loan being generated by reducing, by the one or more computer processors, the vehicle loan term of the first vehicle loan by 12 months, wherein the vehicle loan amount and vehicle loan annual interest rate for the second vehicle loan are updated, by the one or more computer processors, in response to the reduced vehicle loan term;
• and
• provide, by the one or more computer processors and via the graphical user interface, the first and second generated vehicle loan offers to the applicant, the graphical user interface including:
• a first slider, coupled to an offer customization model, enabling the applicant to customize a first loan parameter of one of the first or second generated vehicle loan offers, wherein a position of the first slider is a first input into the offer customization model;
• a second slider, coupled to an offer customization model, enabling the applicant to customize a second loan parameter of the one of the first or second generated vehicle loan offers, wherein a position of the second slider is a second input into the offer customization model;
• a region in each of the first and second sliders indicating compliant loan parameters, the region being dynamically determined by the offer customization model based on the positions of the first and second sliders;
• a display of a customized loan offer, the customized loan offer being automatically updated by the offer customization model in accordance with the position of the first and second sliders;
• a button that, when selected while the position of the first and second sliders are in the respective regions indicating compliant loan parameters, enables the applicant to accept the customized loan offer.

A non-transitory computer-readable storage medium comprising computer-readable instructions to be executed on one or more processors of a system for generating multiple vehicle loan offers for an applicant, the instructions when executed causing the one or more processors to:

• provide, by the one or more processors, a user interface;
• receive, via the user interface, applicant vehicle loan information, the vehicle loan information indicating a vehicle type;
• request, by the one or more processors, credit data associated with the applicant from a credit bureau;
• receive, by the one or more processors, the credit data associated with the applicant from the credit bureau, the credit data including a set of attributes for the applicant;
• generate, by the one or more processors, a first vehicle loan offer and a second vehicle loan offer based on the vehicle loan information and the set of attributes for the applicant, the generation occurring without user modification of conditions of the first or second vehicle loan offers,
• each of the first and second vehicle loan offers having a corresponding vehicle loan monthly payment, vehicle loan amount, vehicle loan term, and vehicle loan annual interest rate, wherein the vehicle loan annual interest rate is determined, by the one or more processors, based off at least the vehicle loan information and the set of attributes for the applicant, and
• the second vehicle loan being generated by reducing, by the one or more processors, the vehicle loan term of the first vehicle loan by 12 months, wherein the vehicle loan amount and vehicle loan annual interest rate for the second vehicle loan are updated, by the one or more processors, in response to the reduced vehicle loan term;
• and
• provide, via the user interface, the first and second generated vehicle loan offers to the applicant, the user interface including:
• a first slider, coupled to an offer customization model, enabling the applicant to customize a first loan parameter of one of the first or second generated vehicle loan offers, wherein a position of the first slider is a first input into the offer customization model;
• a second slider, coupled to an offer customization model, enabling the applicant to customize a second loan parameter of the one of the first or second generated vehicle loan offers, wherein a position of the second slider is a second input into the offer customization model;
• a region in each of the first and second sliders indicating compliant loan parameters, the region being dynamically determined by the offer customization model based on the positions of the first and second sliders;
• a display of a customized loan offer, the customized loan offer being automatically updated by the offer customization model in accordance with the position of the first and second sliders;
• a button that, when selected while the position of the first and second sliders are in the respective regions indicating compliant loan parameters, enables the applicant to accept the customized loan offer.

A computing device configured to present a graphical user interface for dynamically customizing a loan offer, the graphical user interface being presented subsequent to generating a first vehicle loan offer and a second vehicle loan offer, the graphical user interface comprising:

• a first slider coupled to an offer customization model and corresponding to a first custom input value, wherein the offer customization model dynamically utilizes the first custom input value as an input to customize one of the first or second vehicle loan offers;
• a second slider coupled to the offer customization model and corresponding to a second custom input value, wherein the offer customization model dynamically utilizes the second custom input value as an input to customize the one of the first or second vehicle loan offers;
• a region on the first slider corresponding to compliant first custom input values as dynamically determined by the offer customization model based on the first and second custom input values;
• a region on the second slider corresponding to compliant second custom input values as dynamically determined by the offer customization model based on the first and second custom input values;
• an indication of a customized loan offer dynamically determined by the offer customization model based upon at least the first custom input value, the second custom input value, and at least one other loan parameter of the one of the first or second vehicle loan offers;
• and
• a button that, when selected while the first and second custom input values are compliant, enables the user to accept the customized loan offer.