AI Decisioning Assistant
Tell the AI what matters to you when evaluating an applicant. It will build your qualification tiers from the full credit report — score, collections, bankruptcies, inquiries, delinquencies, anything.
AI Assistant
What's most important to you when deciding if someone pre-qualifies? For example: minimum credit score, no bankruptcies, max number of collections, no recent late payments — tell me your criteria and I'll build your tiers.
Active Tiers (6)
Premium — TU (Waterfall #1)
Score: 720–850
Congratulations! You Pre-Qualify for Our Premium Program
You qualify for our best rates.
Expected APR: 4.99% - 8.99%
Standard — TU (Waterfall #1)
Score: 660–719
Great News! You Pre-Qualify
You qualify for our Standard program.
Expected APR: 9.99% - 14.99%
Basic — TU (Waterfall #1)
Score: 580–659
You Have Options
We have financing programs available for you.
Decline — TU (Waterfall #1)
Score: 300–579
Thank You for Applying
We are unable to offer pre-qualification at this time.
EXP Approved — EXP (Waterfall #2)
Score: 620–850
You Pre-Qualify!
We found a match through Experian.
EXP Decline — EXP (Waterfall #2)
Score: 300–619
Thank You for Applying
We were unable to offer pre-qualification at this time.