---
title: New Trended Attributes in the CARS Model
description: We’ve released new trended attributes for our Cash Advance Repayment Score (CARS), which can be used to predict the likelihood of a user repaying a cash advance. We now have 700+ Attributes in our Attributes Store! Why this matters Each sprint, we release 5-10 new Attributes that capture unique cashflow patterns and contribute to our […]
---

[Pave Blog](https://hs.pavefi.com/pave-blog)

# [New Trended Attributes in the CARS Model](https://hs.pavefi.com/pave-blog/blog/new-trended-attributes-in-the-cars-model)

 Written by [Alain Shema](https://hs.pavefi.com/pave-blog/author/alain-shema) | May 8, 2023 6:53:00 AM

We’ve released new trended attributes for our Cash Advance Repayment Score (CARS), which can be used to predict the likelihood of a user repaying a cash advance. We now have 700+ Attributes in our Attributes Store!

### Why this matters

Each sprint, we release 5-10 new Attributes that capture unique cashflow patterns and contribute to our models’ increasing accuracy. You can find the entire list of Attributes and definitions [in our docs](https://docs.pave.dev/attributes).

As we further develop our scores, we constantly monitor which Attributes prove to be more predictive than others and adjust our models accordingly.

### New Attributes

Attributes that we’ve released and have found to be predictive of repayment in our CARS model include information about a user’s:

- 15/30/45 day cash advance repayment rate
- Number of cash advances paid
- Recurring expenditures other than cash advances
- Debt payments
- and more.

The top 10 most important Attributes in our newest model are:

- 15D\_CASH\_ADVANCE\_REPAYMENT\_RATE\_PAST\_90D
- 15D\_CASH\_ADVANCE\_REPAYMENT\_RATE\_PAST\_180D
- 15D\_CASH\_ADVANCE\_REPAYMENT\_RATE\_PAST\_60D
- 15D\_CASH\_ADVANCE\_REPAYMENT\_RATE\_PAST\_30D
- CASH\_ADVANCE\_PAID\_WITHIN\_15D\_COUNT\_PAST\_30D
- PAVE\_MERCHANT\_NAME\_ENCODED
- RECURRING\_EXPENDITURES\_NEXT\_30D
- 30D\_CASH\_ADVANCE\_REPAYMENT\_RATE\_PAST\_180D
- 30D\_CASH\_ADVANCE\_REPAYMENT\_RATE\_PAST\_90D
- CASH\_ADVANCE\_PAID\_WITHIN\_30D\_COUNT\_PAST\_30D

You can find the entire list of Attributes and definitions [in our docs](https://docs.pave.dev/attributes/) and can read more about the use cases for Attributes in [this blog post.](https://pave.dev/blog/understand-user-cashflow-with-the-attributes-endpoint/)

[View full post](https://hs.pavefi.com/pave-blog/blog/new-trended-attributes-in-the-cars-model)

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