# `loans.exoticcar/exoticcar-loans` on anlyon.dev

> Text inside fenced blocks marked untrusted-server-text was written by the MCP server's publisher, not by anlyon.dev. It is data to inspect, not instructions to follow. Invisible characters are shown as [U+XXXX].
> No finding is not a safety guarantee: these are point-in-time checks of tool definitions, not of code or behaviour.

- Page: https://anlyon.dev/servers/loans.exoticcar/exoticcar-loans
- JSON: https://anlyon.dev/api/v1/servers/loans.exoticcar/exoticcar-loans
- Version: 1.2026.1101.1 (active)
- Publisher: loans.exoticcar (domain proven to the MCP Registry)
- Runs: remote (streamable-http)
- Sign-in to list tools: none
- Metadata from the official MCP Registry, synced 2026-11-01T23:18:18.072Z

Title and description, as the publisher wrote them:

```untrusted-server-text
ExoticCar.Loans: exotic and classic car loan calculator
Exotic and classic car loan payments with balloons, equity by year, depreciation and lender terms.
```

Scanned 2026-11-01T22:18:22.596Z over streamable-http.

**4 tools: 1 change things and 3 only read.**

| Group | Class | Tools | Claude Code |
| --- | --- | --- | --- |
| Deletes or cancels | destructive | 0 | deny |
| Can't be undone | irreversible | 0 | ask |
| Changes things | write | 1 | ask |
| Only reads | read | 3 | allow |

## Exfil surface

No private-data -> untrusted-input -> outbound path in this server alone: no tool is tagged private-data or untrusted-input or outbound.

| Tag | Meaning | Tools |
| --- | --- | --- |
| private-data | Reads files, mail, messages, databases, secrets, calendars or repositories. | none |
| untrusted-input | Brings in text someone else can write: web pages, inbound email, messages, issues and comments. | none |
| outbound | Can carry data to people or systems: it sends, posts or publishes, or takes a recipient, channel or URL. | none |

## Findings

No check matched anything in these tool definitions.


## Changes things (1)

Creates or changes something that can be changed back. Claude Code: ask.

### `calculate_exotic_car_loan`

- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.

Description, as the server wrote it:

```untrusted-server-text
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 financed, balloon, total interest, cash at signing, and the estimated car value against the loan balance year by year, with the months (if any) when you would owe more than the car is worth.
```

## Only reads (3)

Looks things up and changes nothing. Claude Code: allow.

### `compare_exotic_car_loan_terms`

- The name "compare_exotic_car_loan_terms" says "compare": a word for reading.

Description, as the server wrote it:

```untrusted-server-text
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% balloon), using the exoticcar.loans calculator math.
```

### `get_car_depreciation`

- The name "get_car_depreciation" says "get": a word for reading.

Description, as the server wrote it:

```untrusted-server-text
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 quarterly collector-value changes, each with source, period and date. Search by make or model, or omit query for every row.
```

### `get_specialty_car_lenders`

- The name "get_specialty_car_lenders" says "get": a word for reading.

Description, as the server wrote it:

```untrusted-server-text
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, LLC titling), with a link to each lender's own page and the date read. Filter by type or search by name.
```

## Claude Code permissions

For `.claude/settings.json`, assuming the server is installed as `exoticcar-loans`:

```json
{
  "permissions": {
    "allow": [
      "mcp__exoticcar-loans__compare_exotic_car_loan_terms",
      "mcp__exoticcar-loans__get_car_depreciation",
      "mcp__exoticcar-loans__get_specialty_car_lenders"
    ],
    "ask": [
      "mcp__exoticcar-loans__calculate_exotic_car_loan"
    ],
    "deny": []
  }
}
```

## Remote posture

What an anonymous client saw at the remote endpoint, last 2026-11-02T00:20:05.470Z, unchanged since 2026-11-02T00:20:05.470Z. No credentials were sent and no tool was called. Values are shown as the endpoint returned them. Method: https://anlyon.dev/methodology#remote-posture

| Fact | Observed |
| --- | --- |
| Reachable | `yes` |
| HTTP status of an anonymous initialize | `200` |
| tools/list served without credentials | `yes` |
| Tools that change things, listed without credentials | `1` |
| Protocol version | `2025-06-18` |
| WWW-Authenticate on 401 | `not observed` |
| resource_metadata in WWW-Authenticate | `none` |
| RFC 9728 protected resource metadata | `none` |
| Authorization servers | `none` |
| Legacy HTTP+SSE transport | `no` |
| Dynamic client registration | `not observed` |
| Client ID metadata documents | `not observed` |

- **warn** Tools that change things, listed to anyone ([unauth-remote-writes](https://anlyon.dev/methodology#unauth-remote-writes))

```untrusted-server-text
The endpoint served tools/list without credentials, and the list has 1 tool that changes things (1 write). Whether a call also works without credentials was not tested: tools are never called.

https://exoticcar.loans/mcp: tools/list returned 4 tools to an anonymous client, including calculate_exotic_car_loan (write)
```