How to read the contract page and payment schedule
The contract page shows how much the client has already paid toward the buyout, how much is left, what is overdue and when the next payment is due. All contract actions are performed from here as well.
How to find a contract
- Open “Rent-to-own” → “Contracts”.
- Narrow the list with filters: status, discipline, “Car” — search by name or plate number, including archived vehicles, “Client” — search by last name, first name and middle name, or the general search by contract number and client last name.
- Open the contract by clicking its row.
Filters are stored in the page address: you can send a colleague a link to the filtered list, and the filters won't reset after the page is reloaded. On a phone, the filters are collapsed under the “Filters” button, and contract cards are shown instead of a table.
Summary above the list
Above the table are the “OK”, “Overdue” and “At risk” counters and the total overdue amount. Clicking a counter leaves only contracts with that discipline in the list.
The list is sorted by urgency: “At risk” first, then “Overdue”, then “OK”; within each group, by the date of the next payment.
Contract header
| Figure | What it means |
|---|---|
| Buyout price | How much the client pays for the vehicle under the contract |
| Paid | How much has been paid against schedule rows: rent, interest, fees, late fees and buyout. The bar shows the share of the buyout price paid |
| Buyout remaining | How much of the buyout price is still unpaid |
| Overdue | The unpaid balance of overdue rows and how many days the delay has lasted |
| Unallocated | Money received under the contract that has not yet been allocated across schedule rows |
| “First unpaid” | The due date of the nearest unpaid row and how much is left on it |
The header also has links to the client, the vehicle and the contract booking, the contract status and its discipline. Every figure, chip and action button has an explanation: an icon next to the label or a tooltip.
“Unallocated” above zero is not always an error
A payment is allocated not only to rows that have come due but also ahead — to future ones. An unallocated balance appears when the client has paid more than what remains on the whole schedule: the surplus will go to a new row automatically if one appears, for example a late fee. If the amount stays right after a fresh payment, see the payment was not allocated.
The “Schedule” tab
Columns: number, due date, type, amount, paid, status and “Overdue since”. “Details” expands a row: what parts it consists of and which of them are paid. On a phone, the schedule is a list, and a row expands when tapped.
| What you see | When |
|---|---|
| All overdue rows and the five nearest upcoming ones | By default. The other upcoming rows within 31 days are opened with the “Show more” button |
| “No payments due in the next 31 days” and the “Full schedule” button | Nothing is overdue, and the next payment is more than a month away |
| “The schedule will appear once the contract is activated” and “Preview schedule” | The contract is still a draft |
| All rows, grouped by month | “Full schedule” was clicked; to go back, click “Upcoming only” |
Row types
| Type | What it is |
|---|---|
| Down payment | The first installment toward the buyout price, on the start date |
| Setup fee | A one-time payment on the start date, not included in the buyout price |
| Payment | A regular scheduled payment |
| Late fee | Charged for a specific row being overdue |
| Early payoff | Appears after an early payoff and carries the entire remaining balance |
Row parts
| Part | What it means |
|---|---|
| Rent | The rental part of the payment |
| Interest | Interest on the remaining buyout price, annuity only |
| Fee | The setup fee, late fees and amounts carried over on early payoff |
| Buyout | The part that goes toward the buyout price |
Row statuses
| Status | What it means |
|---|---|
| Scheduled | No money has been received for the row yet |
| Partially paid | Part of the amount has been paid |
| Paid | The row has been closed with money |
| Waived | The late fee was waived by an employee |
| Cancelled | The row was removed by early payoff or termination and is no longer charged |
A row counts as paid only with money. A partial payment of an overdue row doesn't clear the overdue status — only full payment does.
The “Payments” tab
All payments for the contract booking, from oldest to newest: date, amount, cash desk, category and how the payment was allocated across the schedule parts. The balance that has not been allocated yet is shown separately.
Payments recorded after the contract was closed are marked separately: incoming payment, payout to the client, or deposit.
The “History” tab
Contract events, from newest to oldest: creation, activation, payment allocation, overdue rows, late fees, waivers, buyout and termination calculations, notifications. Events involving money show the amount. The last 20 events are shown first; the rest open with “Show more”.
The “Terms” tab
All contract terms, read-only: start date, prices, down payment, deposit, fee, formula, period, rate, late fees, checkboxes, planned handover date. For a closed contract — the date of transfer of ownership or the termination reason.
Terms can be changed only in a draft — with the “Edit” button, see editing a draft.