A new, fair and responsible consumer lending platform

Traditional finance has underestimated tens of millions of Americans. Our platform offers them access to credit with fair and responsible terms.

A list of applied data finance’s features: Predictive analytics with 2-3 times more predictive power than industry benchmarks (footnote 1), Data-driven with over 110 million data points, AI powered with over 30,000 predictive variables, and realtime with a 100% digital process

More predictive than industry benchmarks

Rich datasets and unmatched AI power the accuracy of our scalable, real-time credit decisioning systems.

Laser-focused on customer success

We are committed to financial inclusion, and operate under the principle that we only succeed when our customers do.

A woman smiling and a list of some of our benefits for customers: Rate Reduction, Free FICO® Score, Flexible Payments, Fair Valuation, Increased Credit, and Financial Education
A happy couple smiling and looking at a phone

Personal loans with a human touch

Our platform enables access to credit at rates and terms tailored to each customer's financial situation.

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1 AI models' predictive performance measured using the Kolmogorov-Smirnov (KS) statistic on the ADF portfolio.