What exactly is the point of NADA's "Clean Loan" value? I ran a calculation and it looks like it's almost always exactly 90% of the Trade-In value for every vehicle/VIN in our system. NADA describes this value as "Suggested amount of credit that may be obtained on a vehicle based on the Clean Trade-In value. Providers of vehicle financing determine the amount of credit they are willing to extend on a vehicle." I'm conflicted on how to read this. Does this mean that, if NADA were the bank, that's how much they'd lend on a given vehicle? There's a pretty major gap between the Clean Loan value and their suggested retail values. What am I missing?