Credit Check Lenders
At I-Finance Services, we understand that providing consumer credit requires a careful and responsible approach. Whether you choose our complete acceptance solution (loan servicing) or just the credit check, we offer a solution that is fully automated and compliant with the VFN and NIBUD standards.
Our credit check can be integrated at any step of the credit application process, from the initial application to the final credit approval. We assist in setting up acceptance criteria, and then we automatically determine the maximum credit capacity (also known as VKM) fully in line with legal requirements. The result can be presented through a detailed credit report or integrated via API directly into your back office, eliminating the need for manual work.
Credit Check for Consumer Credit: Automated and Compliance-Friendly Credit Assessment Solution
Two Flexible Options: Complete Underwriting or Credit Check Only
At I-Finance Services, we offer two flexible options for credit assessments:
Choose our complete solution, where we manage both the credit assessment and the entire loan servicing process. This includes automated loan management, setting up acceptance criteria, performing credit checks, and monitoring payments.
If you prefer to handle the loan management process yourself, we offer the option to use our automated credit check only. This check can be integrated at any point in the credit application process, from application to final approval. We calculate the maximum credit capacity (VKM) fully automated, according to legal requirements.
Why Choose I-Finance Services for Consumer Credit?
Full compliance: Our solution adheres to VFN and NIBUD standards, ensuring you remain fully compliant with laws and regulations.
Automation: Choose automated processes that save time and costs while ensuring accuracy and reliability.
Flexibility: Whether you opt for complete acceptance (loan servicing) or just the credit check, we offer the flexibility to choose the solution that best fits your needs.
Easy integration: Our solution can be seamlessly integrated into your existing platform, ensuring an efficient and uninterrupted process.
Full transparency: Both the lender and the consumer have insight into the calculations and results of the credit check.
How Do We Get Started?
LoanApplication: The consumer submits their credit application, either directly via our whitelabel solution or through your own platform.
Credit Check or Loan Servicing:
Credit Check: The consumer shares their data (payslips or tax returns), and we perform an automated credit check based on the configured acceptance criteria.
Loan Servicing: We manage the entire process from application to credit approval, including setting acceptance criteria and monitoring payments.
Maximum Credit Capacity (VKM): We calculate the maximum credit capacity based on recreational disposable income, fixed expenses, and other financial obligations, fully compliant with legal requirements.
Results and Reporting: The result is shared via a detailed credit report or can be returned directly to your back office through API integration.
Get in Touch
Want to learn more about how our Credit Check solution can help provide responsible loans? Schedule a conversation and discover how we can support you.
