EdgeCaseTest003

Day	Datestamp	Advances	Scheduled payment	Window	Payment due	Actual payments	Generated payment	Net effect	Payment status	Balance status	Simple interest	New interest	New charges	Principal portion	Fee portion	Interest portion	Charges portion	Fee rebate	Principal balance	Fee balance	Interest balance	Charges balance	Settlement figure	Fee rebate if settled
0	2020-10-08	500.00	n/a	0	0.00	n/a	n/a	0.00	none scheduled	open	0.0000	0.0000	n/a	0.00	0.00	0.00	0.00	0.00	500.00	772.35	0.0000	0.00	1,272.35	772.35
8	2020-10-16	n/a	original 225.00	1	225.00	225.00 failed 225.00 failed 225.00 failed	n/a	0.00	missed payment	open	2.7748	2.7748	n/a	0.00	0.00	0.00	0.00	0.00	500.00	772.35	2.7748	0.00	527.98	747.14
11	2020-10-19	n/a	n/a	1	0.00	225.00 failed 225.00 failed 225.00 failed	n/a	0.00	nothing due	open	1.0405	1.0405	n/a	0.00	0.00	0.00	0.00	0.00	500.00	772.35	3.8153	0.00	538.48	737.68
14	2020-10-22	n/a	n/a	1	0.00	225.00 failed 225.00 failed 225.00 failed	n/a	0.00	nothing due	open	1.0405	1.0405	n/a	0.00	0.00	0.00	0.00	0.00	500.00	772.35	4.8558	0.00	548.98	728.22
39	2020-11-16	n/a	original 225.00	2	225.00	225.00 failed 225.00 failed 225.00 failed	n/a	0.00	missed payment	open	8.6712	8.6712	n/a	0.00	0.00	0.00	0.00	0.00	500.00	772.35	13.5270	0.00	636.46	649.41
42	2020-11-19	n/a	n/a	2	0.00	225.00 failed 225.00 failed 225.00 failed	n/a	0.00	nothing due	open	1.0405	1.0405	n/a	0.00	0.00	0.00	0.00	0.00	500.00	772.35	14.5675	0.00	646.96	639.95
45	2020-11-22	n/a	n/a	2	0.00	225.00 failed 225.00 failed 225.00 failed	n/a	0.00	nothing due	open	1.0405	1.0405	n/a	0.00	0.00	0.00	0.00	0.00	500.00	772.35	15.6081	0.00	657.46	630.49
69	2020-12-16	n/a	original 225.00	3	225.00	225.00 failed 225.00 failed 225.00 failed	n/a	0.00	paid later in full	open	8.3243	8.3243	n/a	0.00	0.00	0.00	0.00	0.00	500.00	772.35	23.9324	0.00	741.44	554.84
72	2020-12-19	n/a	n/a	3	0.00	confirmed 225.00 225.00 failed 225.00 failed	n/a	225.00	extra payment	open	1.0405	1.0405	n/a	78.60	121.43	24.97	0.00	0.00	421.40	650.92	0.0000	0.00	526.94	545.38
75	2020-12-22	n/a	n/a	3	0.00	225.00 failed 225.00 failed 225.00 failed	n/a	0.00	nothing due	open	0.8770	0.8770	n/a	0.00	0.00	0.00	0.00	0.00	421.40	650.92	0.8770	0.00	537.27	535.92
100	2021-01-16	n/a	original 225.00	4	225.00	225.00 failed 225.00 failed 225.00 failed	n/a	0.00	paid later in full	open	7.3079	7.3079	n/a	0.00	0.00	0.00	0.00	0.00	421.40	650.92	8.1849	0.00	623.39	457.11
103	2021-01-19	n/a	n/a	4	0.00	237.00 failed 237.00 failed 237.00 failed	n/a	0.00	nothing due	open	0.8770	0.8770	n/a	0.00	0.00	0.00	0.00	0.00	421.40	650.92	9.0618	0.00	633.73	447.65
106	2021-01-22	n/a	n/a	4	0.00	confirmed 249.00 225.00 failed 225.00 failed	n/a	249.00	extra payment	open	0.8770	0.8770	n/a	93.94	145.13	9.93	0.00	0.00	327.46	505.79	0.0000	0.00	395.05	438.20
214	2021-05-10	n/a	original 250.00	5	250.00	250.00 failed 250.00 failed 250.00 failed	n/a	0.00	missed payment	open	24.5318	24.5318	n/a	0.00	0.00	0.00	0.00	0.00	327.46	505.79	24.5318	0.00	760.05	97.73
217	2021-05-13	n/a	n/a	5	0.00	250.00 failed 250.00 failed 250.00 failed	n/a	0.00	nothing due	open	0.6814	0.6814	n/a	0.00	0.00	0.00	0.00	0.00	327.46	505.79	25.2132	0.00	770.19	88.27
220	2021-05-16	n/a	n/a	5	0.00	250.00 failed 250.00 failed 250.00 failed	n/a	0.00	nothing due	open	0.6814	0.6814	n/a	0.00	0.00	0.00	0.00	0.00	327.46	505.79	25.8947	0.00	780.32	78.82
245	2021-06-10	n/a	original 276.00	6	276.00	250.00 failed 250.00 failed 250.00 failed 250.00 failed	n/a	0.00	paid later in full	open	5.6787	5.6787	n/a	0.00	0.00	0.00	0.00	0.00	327.46	505.79	31.5733	0.00	864.82	0.00
248	2021-06-13	n/a	n/a	6	0.00	250.00 failed 250.00 failed 250.00 failed	n/a	0.00	nothing due	open	0.6814	0.6814	n/a	0.00	0.00	0.00	0.00	0.00	327.46	505.79	32.2548	0.00	865.50	0.00
251	2021-06-16	n/a	n/a	6	0.00	250.00 failed 250.00 failed 250.00 failed	n/a	0.00	nothing due	open	0.6814	0.6814	n/a	0.00	0.00	0.00	0.00	0.00	327.46	505.79	32.9362	0.00	866.18	0.00
379	2021-10-22	n/a	n/a	6	0.00	175.00 failed 175.00 failed 175.00 failed	n/a	0.00	nothing due	open	29.0747	29.0747	n/a	0.00	0.00	0.00	0.00	0.00	327.46	505.79	62.0109	0.00	895.26	0.00
380	2021-10-23	n/a	n/a	6	0.00	confirmed 175.00	n/a	175.00	extra payment	open	0.2271	0.2271	n/a	44.31	68.46	62.23	0.00	0.00	283.15	437.33	0.0000	0.00	720.48	0.00
407	2021-11-19	n/a	n/a	6	0.00	confirmed 175.00	n/a	175.00	extra payment	open	5.3029	5.3029	n/a	66.68	103.02	5.30	0.00	0.00	216.47	334.31	0.0000	0.00	550.78	0.00
435	2021-12-17	n/a	n/a	6	0.00	176.00 failed 176.00 failed 176.00 failed 176.00 failed	n/a	0.00	nothing due	open	4.2040	4.2040	n/a	0.00	0.00	0.00	0.00	0.00	216.47	334.31	4.2040	0.00	554.98	0.00
438	2021-12-20	n/a	n/a	6	0.00	176.00 failed 176.00 failed 176.00 failed	n/a	0.00	nothing due	open	0.4504	0.4504	n/a	0.00	0.00	0.00	0.00	0.00	216.47	334.31	4.6545	0.00	555.43	0.00
441	2021-12-23	n/a	n/a	6	0.00	176.00 failed 176.00 failed 176.00 failed	n/a	0.00	nothing due	open	0.4504	0.4504	n/a	0.00	0.00	0.00	0.00	0.00	216.47	334.31	5.1049	0.00	555.88	0.00
475	2022-01-26	n/a	n/a	6	0.00	confirmed 176.00	n/a	176.00	extra payment	open	5.1049	5.1049	n/a	65.15	100.65	10.20	0.00	0.00	151.32	233.66	0.0000	0.00	384.98	0.00
1251	2024-03-12	n/a	n/a	6	0.00	n/a	466.41	466.41	generated	closed	81.4386	81.4386	n/a	151.32	233.66	81.43	0.00	0.00	0.00	0.00	0.0000	0.00	0.00	0.00

Description

Quote returning nothing

Generated: 2025-04-28 using library version 2.2.10

Parameters

Evaluation Date	2024-03-12
Start Date	2020-10-08
Principal	500.00
Schedule options	config: custom schedule day: 8 scheduled payment: original 225.00 day: 39 scheduled payment: original 225.00 day: 69 scheduled payment: original 225.00 day: 100 scheduled payment: original 225.00 day: 214 scheduled payment: original 250.00 day: 245 scheduled payment: original 276.00
Payment options	scheduling: as scheduled rounding: rounded up timeout: 3 minimum: defer or write off up to 0.50 level-payment option: lower final payment
Fee options	fee type: CAB/CSO fee 154.47 % rounding: rounded down fee amortisation: amortise proportionately settlement rebate: pro-rata rebate
Charge options	no charges
Interest options	standard rate: 9.95 % per year method: simple rounding: rounded down APR method: US CFPB actuarial to 3 d.p. initial grace period: 3 day(s) rate on negative balance: zero promotional rates: n/a cap: total n/a; daily n/a

Initial Stats

Initial interest balance: 0.00	Initial cost-to-borrowing ratio: 58.3 %	Initial APR: 257.704 %
Level payment: 225.00	Final payment: 276.00	Last scheduled payment day: 245
Total scheduled payments: 1,426.00	Total principal: 1,388.71	Total interest: 37.29

Final Stats

Generated settlement: 466.41 on day 1251	Final balance status: closed
Effective interest rate: 0.01219192053 % per day	Final cost-to-borrowing ratio: 193.28 %
Required scheduled payment count: 6	Last required scheduled payment day: 245
Final actual payment count: 71	Last actual payment day: 475