Motor finance

Approve more of the right applicants and automate decisions across direct, broker, dealer and aggregator channels.

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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.

We started Finclusion to say yes to people the mainstream market writes off too easily. Infact helps us do exactly that with better and more granular data. We get a proper read on what someone can afford, not a broad average, so we can lend fairly to more of the right customers.

Chris Bosworth

Founder, Finclusion

How Infact helps your business

Products

Affordability

Individual level income and Cost-of-Living estimates that separate household expenditure from vehicle finance affordability and reduce overly conservative declines.

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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 income manipulation, first party fraud and high risk first payment default patterns before losses reach the book.

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