AltFiScore
Credit Decisioning Infrastructure

Score the 70M+ Americans the bureaus miss.

The decisioning engine for lenders serving the underbanked. Real-time alternative-data credit scoring for BNPL, auto loans, mortgages, personal loans, and credit cards — in a single API.

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POST /v1/decisions/bnpl

200 OK · 287ms

Outcome

Approved

KYC Tier

Soft

Approved amount

5.0% APR

$850.00

4 biweekly payments

Payment schedule

Payment 1May 14
$212.50
Payment 2May 28
$212.50
Payment 3Jun 11
$212.50
Payment 4Jun 25
$212.50
✓ TILA disclosure attached · ✓ FCRA-compliant reason codes

<500ms

Decision latency (p99)

300–1000

Score range

7 gates

Decision engine

20+

Alt data sources

99.9%

API uptime SLA

Products

One decisioning engine.
Five lending products.

Every AltFiScore decision uses the same engine, score range (300–1000), and compliance framework. Configure per-product rate bands, gate thresholds, and policy rules. Ship one integration, serve every credit product.

Buy Now, Pay Later

Score every BNPL transaction in real time with tiered KYC orchestration. Sub-500ms decisions for installment plans from $25 to $5,000+.

  • Pay-in-4 / Pay-in-6 / Monthly plans
  • Tiered KYC (soft / enhanced / hard)
  • TILA-compliant disclosures
Explore BNPL

Auto Loans

Direct and indirect auto lending with full dealer network support. Built-in Reg Z disclosures, federal LTV caps, and dealer markup math.

  • Direct + indirect (dealer) lending
  • Federal LTV caps (130% / 110%)
  • Buy-rate / sell-rate calculations
Explore Auto

Mortgage

QM-compliant mortgage decisioning with full federal compliance — ATR/QM, FHA 580 floor, ATTOM property valuation, occupancy adjustments.

  • QM rules + ATR compliance
  • ATTOM property data integration
  • PMI rate cards built-in
Explore Mortgage

Personal Loans

Unsecured consumer credit with alternative-data scoring. Surface qualified borrowers the bureaus miss using bank transactions and employment data.

  • $1K to $50K loan range
  • Plaid + Argyle data scoring
  • ECOA-compliant adverse action
Explore Personal

Credit Cards

Revolving credit decisioning with tiered rate bands (5-24%), MLA APR caps for active-duty military, and dynamic credit limit recommendations.

  • 5-24% APR rate bands
  • MLA 36% APR cap support
  • Dynamic credit limit logic
Explore Credit Card

How it works

Four steps. One API call. Real-time decisions.

From the moment a consumer connects their financial accounts to a final lending decision returned to your system — typically under 30 seconds total.

Step 1

Consumer connects

BNPL company, lender, or merchant collects consumer consent via Plaid Link or similar OAuth flow. One consent unlocks all integrated data sources.

Plaid · Argyle · ATTOM

Persona KYC orchestration

Single consent flow

Step 2

Data normalized

AltFiScore ingests raw data from each connector, normalizes it into standardized feature vectors, and caches features for 30 days per regulation.

20+ alt data sources

Per-source freshness windows

FCRA-compliant retention

Step 3

Engine decides

Scoring engine produces a 300–1000 score with confidence interval. Decision engine runs 7 gates (DTI, LTV, score thresholds, federal caps) per your policy.

300–1000 score range

7 configurable gates

Tiered KYC orchestration

Step 4

Decision delivered

Sub-500ms response with outcome, recommended amount/APR/term, FCRA-compliant adverse action codes, and TILA-compliant disclosures.

<500ms p99 latency

ECOA adverse action codes

TILA disclosures included

Developer experience

Built for engineers.
Trusted by compliance teams.

One REST endpoint. JSON in, JSON out. Idempotent. Versioned. TILA-compliant disclosures and FCRA-compliant adverse action codes built into every response.

  • Sandbox tenant with test consumers — no setup
  • Idempotency keys for safe retries
  • Webhooks for async decision events
  • PII redacted in every log

POST /v1/decisions/bnpl

curl -X POST 'https://api.altfiscore.com/v1/decisions/bnpl' \
  -H 'Authorization: Bearer altfi_live_YOUR_KEY' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: $(uuidgen)' \
  -d '{
    "consumer": {
      "first_name": "Marcus",
      "last_name": "Chen",
      "email": "marcus@example.com",
      "phone": "+15551234567",
      "dob": "1988-11-08",
      "ssn_last4": "4521",
      "address": {
        "line1": "127 Tremont St",
        "city": "Cambridge",
        "state": "MA",
        "zip": "02138"
      }
    },
    "transaction": {
      "amount": 850.00,
      "currency": "USD",
      "merchant_name": "Sunset Furniture",
      "merchant_category": "furniture",
      "product_description": "Mid-century sofa"
    },
    "plan_preference": "pay_in_4"
  }'

← Response · 200 OK

{
  "decision_id": "8496f4b6-5514-4e0b-a6bf-6da6fb987448",
  "application_id": "8496f4b6-5514-4e0b-a6bf-6da6fb987448",
  "status": "complete",
  "kyc_tier": "soft",
  "kyc_status": "matched",
  "outcome": "approved",
  "approved_amount": "850.00",
  "currency": "USD",
  "apr": "0.0",
  "term_months": 2,
  "payment_schedule": [
    { "num": 1, "due_date": "2026-05-14", "amount": "212.50" },
    { "num": 2, "due_date": "2026-05-28", "amount": "212.50" },
    { "num": 3, "due_date": "2026-06-11", "amount": "212.50" },
    { "num": 4, "due_date": "2026-06-25", "amount": "212.50" }
  ],
  "tila_disclosure": {
    "amount_financed": "850.00",
    "finance_charge": "0.00",
    "total_of_payments": "850.00",
    "apr": "0.0",
    "payment_frequency": "biweekly"
  }
}

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