Vaya: an AI loan advisor that asks whether you can still afford to live

Description and use

Vaya is an AI loan advisor that assesses whether you can still afford to live, comparing real offers from 20+ Vietnamese banks, calculating a survival probability, and offering actionable adjustments, plus a reverse-auction marketplace.

Problem

Loan comparison sites focus only on lowest rates, ignoring whether a loan is affordable and safe for the borrower.

Outcome

Vaya enables borrowers to assess loan affordability and risk quickly, providing actionable insights and a reverse-auction marketplace, improving decision quality over traditional rate-only comparison sites.

Workflow

• 1. User enters a one-sentence description of their loan and income into the chat input.
• 2. Vaya fetches real product data from 20+ Vietnamese banks (rates, limits, terms, processing time, LTV caps).
• 3. The tool runs a client-side Monte Carlo simulation of income, expenses, and existing debt to compute a survival probability and key ratios (DTI, PTI, LTV, disposable income).
• 4. Results are displayed in sortable, filterable tables and interactive charts, with plain-language explanations.
• 5. If a loan is risky, Vaya suggests adjustments such as borrowing less, extending the term, increasing down payment, or cutting expenses.
• 6. Users can post anonymous requests to a reverse-auction marketplace where banks bid, seeing offers next to public rates.
• 7. The interface supports English, Vietnamese, and Chinese, and includes dark mode.
• 8. Users can review and iterate on their loan options without signing up or installing anything.

Evidence

Vaya runs a Monte Carlo simulation over your income, expenses and existing debt, and tells you the probability that the loan pushes you underwater — plus DTI, PTI, LTV and disposable income, each with a plain-language explanation attached.

Source

It compares real products from 20+ Vietnamese banks. Rates, maximum amounts, terms, processing time, LTV caps — side by side, sortable, filterable, with the actual bank logos so you know who you are dealing with.

Source

The reverse-auction marketplace has no AI in it at all — it is a forum, and forums already work.

Source