I have made an analysis of my Auto-lend loans, the majority were taken between October and December last year.These loans are only 5-7 months old now and 12.63% of my A/Ls' are in arrears. (Grade range A5-D3) Yet all my other active loans, minus the A/Ls', taken over the last 2 years manually are only 3.32% of the total in arrears. Half of these are in the E and F grades.
This leads me to think that there is one Auto-lend filter that can never be made available- "gut-feeling"; when I view a loan manually, as well as a financial evaluation I also get an overall impression or "gut-feeling" as to whether I should take the loan or not. I reckon I have been quite successful with limited arrears and defaults in A_D grades.