Buy now, pay later
Support higher-value purchases, broader instalment products and faster checkout decisions. Proportionate checks without unnecessary friction.
Trusted by the UK's fastest moving financial companies
Leading innovation in consumer credit information
The first credit bureau built to represent digitally native consumers and how they use credit products today. Discover affordability, credit risk, identity and fraud insights that only Infact can offer, proven across our growing network of lending partners.
How Infact helps your business
Checkout Decisioning
Limit Setting
Customer Management
The proof is in the data
"Infact's Affordability API eliminated the manual underwriting bottleneck that was consuming so much of our time. Going from reviewing 46% of applications manually to 100% automation has completely changed how we operate. It's exactly the kind of solution you need when you're focused on sustainable growth - and our customers are seeing the benefits too, with faster, fairer access to credit through a more effective application process.”
Jahanvi Bava, Credit Portfolio Manager, Curve
Products
Affordability
Individual-level income and cost-of-living estimates to assess whether an instalment plan is sustainable for the purchase, term and customer in front of you.
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Credit Risk
Real-time credit and network signals to identify exposure stacking, new borrowing and early distress before monthly bureau files catch up.
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Fraud
Application behaviour and network signals that flag first-party fraud, income manipulation and high-risk checkout patterns before the first payment is missed.
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Identity
Fast, low-friction identity checks that verify digitally native shoppers with the data they already provide, helping more genuine customers complete checkout.
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Insights
The reporting gap has a price. Here is how to work it out
Every lender knows the bureau file is out of date. Very few have put a number on what that costs...
Real-time data
The fraud hiding in your first payment defaults
A default with no repayment is rarely a scorecard failure. It is first party fraud, booked as...
Fraud prevention
Increasing approval rates in new lending
Fair For You was looking for a way to reduce the number of affordability-based declines...
Affordability
Ready to make better risk decisions?
Run a retrospective analysis on your own historical data and see the losses you could have avoided.
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