CarDr advantage
Diagnostics, not guesswork.
Used car lending is broken because lenders price every vehicle the same. CarDr's diagnostic platform reads the vehicle's own systems and gives Red Fort Capital a deterministic risk signal — before money moves.
| Grade | What we see | Lending policy |
|---|---|---|
| Health Grade A | 0–2 historic DTCs · No active codes | Up to 80% LTV |
| Health Grade B | Minor warning lights · Low repair estimate | Up to 75% LTV |
| Health Grade C | Multiple DTCs · Material repair exposure | Up to 65% LTV |
| Health Grade D | Major systems flagged · High repair estimate | Up to 50% LTV |
| Reject | VIN mismatch / mileage tamper / unsafe | Not financable |
DTC and warning lights
Active, pending, historic and permanent diagnostic trouble codes flagged at module level.
Repair exposure
Parts + labour estimate that we subtract from market value to compute lendable value.
Tamper detection
Code reset attempts, mileage mismatch, and VIN integrity feed directly into underwriting flags.