Find stores with loans above price

Drop in a file of loans with the store, loan amount and goods' price or product. The tool compares each loan with its reference and flags stores where loans above price are far more common than in the rest of the book.

Loans file

Drop a CSV file here or pick one

3,528 loans from 30 stores were read, and 0 rows with no store, loan amount or reference were left out.

The file is read in this browser and never uploaded. Only counts are sent if you request the result by email.

Store or dealer

Loan amount

Goods price

Product

Each loan is measured against the price on its own row.

Tolerance, %

Insurance, fees or accessories financed with the goods can lift a loan above the price, which the tolerance allows for.

Warning multiple, ×

Minimum loans

Confidence, %

The more stores are tested, the more may look high by chance alone, so the test asks more of each store. A higher confidence flags fewer stores.

These are generated demo loans from 30 stores selling six products, with two stores writing loans above price planted in them.

Flagged stores

Book share above price4.2%

Top store share37.3%

Total above price18,455

In 2 stores, the share of loans more than 10% above their price is at least 2.0× the book's 4.2%, by more than chance explains at 95% confidence. Their loans above price total 18,455 more than the reference. A loan above price is a reason to look. It does not prove fraud.

Loan-to-price ratios

S09

The bars show this store's loans by loan amount divided by price, and the dashed line shows every other store. Click a store in the table to draw it.

Stores by above-price loans

Rank	Store	Loans	Above price	Share	Lift	Median ratio	Above price total	Flag
1	S09	118	44	37.3%	8.9×	0.97	14,825	Yes
2	S21	133	14	10.5%	2.5×	0.85	3,630	Yes
3	S15	108	8	7.4%	1.8×	0.89	3,150	Within chance
4	S05	93	6	6.5%	1.5×	0.83	1,595	Within chance
5	S24	142	6	4.2%	1.0×	0.83	2,675	Within chance
6	S08	78	3	3.8%	0.9×	0.82	1,175	Within chance
7	S12	113	4	3.5%	0.8×	0.85	1,695	Within chance
8	S06	171	6	3.5%	0.8×	0.85	2,965	Within chance
9	S26	76	2	2.6%	0.6×	0.77	245	Within chance
10	S03	105	3	2.9%	0.7×	0.83	940	Within chance
11	S28	178	6	3.4%	0.8×	0.83	1,620	Within chance
12	S01	83	2	2.4%	0.6×	0.86	325	Within chance
13	S25	60	1	1.7%	0.4×	0.84	380	Within chance
14	S04	88	2	2.3%	0.5×	0.80	710	Within chance
15	S18	138	4	2.9%	0.7×	0.82	1,110	Within chance
16	S22	91	2	2.2%	0.5×	0.81	460	Within chance
17	S10	141	4	2.8%	0.7×	0.85	1,435	Within chance
18	S20	70	1	1.4%	0.3×	0.86	440	Within chance
19	S19	123	3	2.4%	0.6×	0.83	1,030	Within chance
20	S17	101	2	2.0%	0.5×	0.82	415	Within chance
21	S07	128	3	2.3%	0.6×	0.82	700	Within chance
22	S11	153	4	2.6%	0.6×	0.86	2,005	Within chance
23	S29	107	2	1.9%	0.4×	0.83	525	Within chance
24	S16	110	2	1.8%	0.4×	0.85	725	Within chance
25	S23	139	3	2.2%	0.5×	0.83	700	Within chance

5 more stores are in the download.

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Check loan amounts against the goods' price on every application at the moment of the decision. Start free

How figures work

Ratio = Loan amount ÷ Reference
Reference = Goods price  |  Product median
Above price = Ratio ≥ 1 + Tolerance
Share = Above price ÷ Loans
Lift = Share ÷ Book share above price
Above price total = Σ (Loan amount − Reference)
Flag = p ≤ (1 − Confidence) ÷ Stores tested  &  Lift ≥ Warning multiple

Each store is tested against the rest of the book, and confidence is shared across every store tested. With no price column, the reference is a median, so a store selling dearer models of the same product looks higher than it is.

Find stores with loans above price

Price inflation in point-of-sale lending is when a loan amount is above the price of the goods. This tool compares each loan with the price on its row, or with the median loan for the same product across all stores when no price is provided.

A store with a much higher share of loans above price than the rest of the book merits a closer look. The result shows which stores are flagged, and a loan above price is a reason to look, not proof.

Price and loan FAQs

What is price inflation fraud in point-of-sale lending?

It describes a loan written above the price of the goods. A loan above price is a reason to look, since insurance, fees or accessories can also raise the amount.

How do I compare a loan amount with the goods' price?

Compare the loan amount with the real price on the same row. If there is no price column, the tool uses the median loan amount for the same product across all stores.

How can I find stores writing loans above goods prices?

The tool compares each store's share of loans above price with the share across the rest of the book. It flags stores that meet the test's confidence threshold and warning multiple.

How much above price is normal when fees are financed?

Insurance, fees or accessories financed with the goods can put a loan above price. Set the tolerance to allow for those costs before a loan counts as above the reference.

How can I tell price inflation from dearer product models?

With a price column, each loan is compared with the price on its own row. With no price column, the median for the same product is used, so a store selling dearer models can look higher than it is.