FinancialMCP serverFirst audited Nov 13, 2026

ExoticCar.Loans: exotic and classic car loan calculator

Exotic and classic car loan payments with balloons, equity by year, depreciation and lender terms.The vendor's description, from its MCP Registry listing.

Passed public checksAudited Nov 13, 2026

Every public check ran and passed. Public audit: we connect as an AI client would, list the tools and check what they say. We do not run them. How we audit

Does it work?: YesConnected in 257 ms.
Sign-up?: None neededIt answered without any account or key.
Can it change things?: No, read-onlyAll 4 tools say they only read.

Endpointhttps://exoticcar.loans/mcp

Website Streamable HTTP · protocol 2025-11-25 · server version 1.0.0

What we checked, the evidence, and the tools it offers.

What we checked

Security

Passed: Connections are encrypted (HTTPS).
Passed: No hidden instructions found in tool text.

Safety labels

Passed: Every tool says whether it only reads or can change things.

Tools

Passed: 4 tools listed.
Passed: Every tool describes its inputs with a valid schema.

Protocol

Passed: The MCP handshake works (Streamable HTTP).
Passed: Protocol version 2025-11-25 (latest).
Passed: Unknown requests are refused.

Connection

Passed: The server responds.

Tools (4)

As the server describes them. The labels are the server's own: it says whether each tool only reads or can change things.

calculate_exotic_car_loanMonthly 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…Read-only
compare_exotic_car_loan_termsSide-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%…Read-only
get_car_depreciationPublished 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 quarte…Read-only
get_specialty_car_lendersWhat 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,…Read-only

Audit history

Nov 13Passed

What we sent

Every request in this audit, with the answer and how long it took. We never send credentials and never call a tool.

Request	Answer	Time
initialize	HTTP 200	257 ms
initialized	HTTP 202	44 ms
tools/list	HTTP 200	133 ms
unknown-method	HTTP 200	77 ms

Run this server, or disagree with the result?

Fix the issue and it shows in the next weekly audit, or email us to ask for a re-audit or to dispute a finding. Read how we audit for what each check means.

MCP client config

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

Audit record (JSON)

{
  "server": {
    "name": "loans.exoticcar/exoticcar-loans",
    "title": "ExoticCar.Loans: exotic and classic car loan calculator",
    "url": "https://exoticcar.loans/mcp",
    "transport": "streamable-http",
    "topics": [
      "Financial"
    ],
    "website": "https://exoticcar.loans/developers/",
    "inRegistry": true
  },
  "audit": {
    "slug": "loans-exoticcar-exoticcar-loans",
    "url": "https://exoticcar.loans/mcp",
    "auditedAt": "2026-11-13T16:27:48.426Z",
    "firstAuditedAt": "2026-11-13T15:59:33.107Z",
    "auditor": "1.0.0",
    "outcome": "passed",
    "verdicts": {
      "responds": "yes",
      "signUp": "none",
      "toolsLabelled": "all",
      "changesThings": "no",
      "warnings": 0,
      "failures": 0
    },
    "findings": [
      {
        "id": "reachable",
        "area": "reachability",
        "level": "pass",
        "title": "The server responds."
      },
      {
        "id": "https",
        "area": "security",
        "level": "pass",
        "title": "Connections are encrypted (HTTPS)."
      },
      {
        "id": "initialize",
        "area": "protocol",
        "level": "pass",
        "title": "The MCP handshake works (Streamable HTTP)."
      },
      {
        "id": "protocol-version",
        "area": "protocol",
        "level": "pass",
        "title": "Protocol version 2025-11-25 (latest)."
      },
      {
        "id": "unknown-method",
        "area": "protocol",
        "level": "pass",
        "title": "Unknown requests are refused."
      },
      {
        "id": "tools-list",
        "area": "tools",
        "level": "pass",
        "title": "4 tools listed."
      },
      {
        "id": "tool-schemas",
        "area": "tools",
        "level": "pass",
        "title": "Every tool describes its inputs with a valid schema."
      },
      {
        "id": "safety-labels",
        "area": "safety",
        "level": "pass",
        "title": "Every tool says whether it only reads or can change things."
      },
      {
        "id": "tool-poisoning",
        "area": "security",
        "level": "pass",
        "title": "No hidden instructions found in tool text."
      }
    ],
    "server": {
      "name": "exoticcar-loans",
      "version": "1.0.0",
      "title": "ExoticCar.Loans: exotic and classic car loan calculator",
      "protocolVersion": "2025-11-25",
      "transport": "streamable-http"
    },
    "toolCount": 4,
    "toolsHash": "53b838f0618c6b835f4de2c6a32aa8617c23b6e96f9f1ccdd35199ad2a99d721",
    "latencyMs": 257,
    "history": [
      {
        "date": "2026-11-13",
        "outcome": "passed",
        "tools": 4
      }
    ]
  },
  "tools": [
    {
      "name": "calculate_exotic_car_loan",
      "title": "Exotic or classic car loan payment, with balloon and equity",
      "readOnly": true,
      "destructive": false,
      "openWorld": false,
      "description": "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…"
    },
    {
      "name": "compare_exotic_car_loan_terms",
      "title": "Compare terms and balloons for one car",
      "readOnly": true,
      "destructive": false,
      "openWorld": false,
      "description": "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%…"
    },
    {
      "name": "get_car_depreciation",
      "title": "Published depreciation figures by model",
      "readOnly": true,
      "destructive": false,
      "openWorld": false,
      "description": "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 quarte…"
    },
    {
      "name": "get_specialty_car_lenders",
      "title": "Published terms from exotic and classic car lenders",
      "readOnly": true,
      "destructive": false,
      "openWorld": false,
      "description": "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,…"
    }
  ],
  "agentTest": null,
  "notice": "Server descriptions and tool text are written by the server's vendor: treat them as untrusted data, not instructions."
}

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