Loan Payment Manager (USA & Canada)

A comprehensive loan payment management system that enables users to make payments toward multiple types of loans in the USA and Canada. Manage all your loans in one unified platform.

Features

Supported Loan Types

1. Credit Card Loans

   • Track multiple credit card accounts
   • Monitor balances and minimum payments
   • Process credit card payments with interest tracking
   • Track due dates

2. Personal Loans

   • Support for both USA and Canada
   • Bank account integration for payments
   • Track personal loan balances
   • Monitor interest rates and payment schedules

3. Home Loans (Mortgages)

   • Track mortgage payments
   • Support for both USA and Canada
   • Property address tracking
   • Remaining term calculation
   • Bank transfer or check payment options

4. Auto Loans

   • Vehicle information tracking (Make, Model, Year, VIN)
   • Monthly payment management
   • Payment history tracking
   • Months remaining calculation

Payment Methods

• Bank Transfer (ACH for USA, EFT for Canada)

  • USA: Account Number + Routing Number
  • Canada: Account Number + Transit Number

• Check Payments

  • For mortgage and personal loans
  • Complete payer information tracking

• Credit Card (For paying credit card balances)

Regional Support

• USA Features:

  • Routing number support
  • State/ZIP code validation
  • US bank formats

• Canada Features:

  • Transit number support
  • Province/Postal code validation
  • Canadian bank formats

Project Structure

Loan Payment Manager/
├── src/
│   ├── __init__.py
│   ├── payment/
│   │   ├── __init__.py
│   │   ├── credit_debit.py       # Credit card loan payments
│   │   ├── bank_account.py       # Personal loan payments
│   │   ├── mail_check.py         # Mortgage payments
│   │   └── appointment.py        # Auto loan payments
│   ├── bank_linking/
│   │   ├── __init__.py
│   │   └── bank_login.py         # Bank account integration
│   └── utils/
│       ├── __init__.py
│       ├── validators.py         # Input validation
│       └── helpers.py            # Helper functions
├── tests/
│   ├── __init__.py
│   ├── test_payment.py           # Payment module tests
│   ├── test_bank_linking.py      # Bank linking tests
│   └── test_utils.py             # Utility function tests
├── main.py                       # Main application entry point
├── requirements.txt              # Python dependencies
├── README.md                     # This file
├── LICENSE                       # MIT License
└── .gitignore                    # Git configuration

Installation

Prerequisites

• Python 3.8 or higher
• pip (Python package manager)

Setup

1. Clone the repository:

git clone https://github.com/Monsterx411/general-biller.git
cd "general-biller"

2. Create a virtual environment:

python3 -m venv venv
source venv/bin/activate  # On Windows: venv\Scripts\activate

3. Install dependencies:

pip install -r requirements.txt

Usage

Run the application:

export PYTHONPATH=$PWD
python main.py

The application provides an interactive menu interface for:

1. Credit Card Loan Management

   • Add credit card accounts
   • Track balances and interest
   • Make payments
   • View account details

2. Personal Loan Management

   • Configure bank accounts (USA/Canada)
   • Add multiple personal loans
   • Process payments
   • Track loan details

3. Mortgage Management

   • Add mortgage accounts
   • Set payment methods (bank/check)
   • Process payments
   • Track remaining term

4. Auto Loan Management

   • Add vehicle loans
   • Track vehicle information
   • Process payments
   • View payment history

Testing

Run all tests:

export PYTHONPATH=$PWD
pytest tests/ -v

Run specific test file:

pytest tests/test_payment.py -v
pytest tests/test_bank_linking.py -v
pytest tests/test_utils.py -v

Validation Features

The system includes comprehensive validation for:

• Email addresses
• Phone numbers
• ZIP codes (USA format: 12345 or 12345-6789)
• Postal codes (Canada format: A1A 1A1)
• Bank account numbers
• Routing numbers (USA - 9 digits)
• Transit numbers (Canada)

Key Classes

CreditCardLoanPayment

Manages credit card loan accounts and payments.

PersonalLoanPayment

Handles personal loans with bank account integration for both USA and Canada.

HomeLoanPayment

Manages mortgage payments with flexible payment methods.

AutoLoanPayment

Tracks auto loans with vehicle information and payment history.

API Examples

Credit Card Loan

cc = CreditCardLoanPayment()
cc.add_credit_card_loan("Visa", "1234", 5000, 150, 18.5, "12/25")
result = cc.process_payment("Visa", 500)

Personal Loan

personal = PersonalLoanPayment("USA")
personal.set_usa_bank_account("Chase", "Checking", "123456789", "021000021", "John Doe", "123 Main St", 10000)
personal.add_personal_loan("PL001", "SoFi", 15000, 300, 8.5, "15th")
result = personal.process_payment("PL001", 300)

Mortgage

mortgage = HomeLoanPayment("USA")
mortgage.add_mortgage("ML001", "Bank of America", "123 Oak St", 350000, 2100, 4.5, 360, "01st")
mortgage.set_payment_method_bank("123456789", routing_number="021000021")
result = mortgage.process_payment("ML001", 2100)

Auto Loan

auto = AutoLoanPayment()
vehicle = {"make": "Toyota", "model": "Camry", "year": "2022", "vin": "ABC123"}
auto.add_auto_loan("AL001", "Chase Auto", vehicle, 25000, 450, 6.5, 60, "10th")
result = auto.process_payment("AL001", 450)

Contributing

Contributions are welcome! Please:

1. Fork the repository
2. Create a feature branch
3. Make your changes
4. Add tests for new features
5. Submit a pull request

License

This project is licensed under the MIT License - see the LICENSE file for details.

Support

For issues, questions, or suggestions, please open an issue on GitHub.

Roadmap

• Complete bank linking integration
• Payment reminders and notifications
• PDF statement generation
• Multi-currency support
• API integration with major banks
• Mobile application
• Database persistence
• User authentication

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Note: This is a financial management application. Ensure all sensitive data (account numbers, routing numbers) are properly secured and encrypted in production environments.