Unsecured lending
Accept more of the right applicants, cut credit and fraud losses, and automate more decisions.
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 our affordability, credit risk, and fraud insights that only Infact can offer, proven across our diverse network of lending partners.
up to30%
more applicants accepted by reducing affordability-based declines
up to100%
automated decisions that reduce manual underwriting and applicant waiting periods
up to3x
higher bad-rate risk surfaced from network signals legacy bureau files can miss
How Infact helps your business
Acquisition
Eligibility
Life Management
Exposure Management
Proven across Credit Cards and Personal Loans
Credit cards
Combine affordability, credit risk and application behaviour signals to set the right opening limit, reduce income-related referrals and surface risk.
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Personal loans
Use income, cost-of-living and recent borrowing signals to separate affordable growth from over-extension.
"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
Leverage individual-level cost of living and income estimations to capture a more current picture of an applicant’s financial situation and increase responsible lending revenue.
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Credit Risk
Real-time risk signals that close the gap between application and bureau file. Reported data, application behaviour and non-bureau insight, joined across the Infact network.
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Fraud
Detect first and third-party fraud and high-risk application behaviour before losses reach the book, using real-time signals from across the Infact network.
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Identity
Reduce onboarding friction and IDV costs by verifying customers in seconds with the data they already provide: name, date of birth, address, and mobile number.
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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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