Smart Credit Scoring
for Smarter Lending

Lendville Credit provides AI-driven credit assessment and risk analysis. Evaluate loan applications instantly with configurable scoring parameters and data-driven decisions.

Get Started

How It Works

1

Upload or Submit

Import customer records via CSV upload or submit them through the REST API.

2

Analyze & Score

Our engine evaluates income, employment history, debt ratios, and more to produce a credit score.

3

Decide Instantly

Receive an eligibility decision with maximum loan amount based on configurable risk thresholds.

Scoring Factors

Monthly Income

Higher income contributes positively to the credit score.

Employment Status

Employed and self-employed applicants receive higher scores.

Age

Applicants in the 25–55 age range score best.

Credit History

Longer credit history with on-time payments improves the score.

Debt-to-Income Ratio

Lower DTI ratios indicate better financial health.

Existing Loans

Fewer existing obligations means lower risk.

Payment History

On-time payment percentage directly impacts the score.

Marital Status

Marital status is a weighted categorical factor.

Ready to Get Started?

Log in to the admin panel to manage customers, configure parameters, and review scores.

Go to Admin Panel