Motor finance
Approve more of the right applicants and automate decisions across direct, broker, dealer and aggregator channels.
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.
Infact has been incredibly supportive throughout our FCA application process. Their technology and expertise have been instrumental in helping us build a responsible lending framework that truly serves our customers.
Chris Bosworth
Founder, Finclusion
How Infact helps your business
Origination
Affordability assessment
Application risk
Products
Affordability
Individual level income and Cost-of-Living estimates that separate household expenditure from vehicle finance affordability and reduce overly conservative declines.
Learn more
→
Credit Risk
Real-time credit and network signals to identify exposure stacking, new borrowing and early distress before monthly bureau files catch up.
Learn more
→
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.
Learn more
→
Identity
Data driven identity checks that verify applicants with the details they already provide. No documents, no selfies, no one time passcodes.
Learn more
→
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Every lender knows the bureau file is out of date.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.
.svg)
.svg)
%201.svg)
