Monthly repayments, checked on real income.
In the post-commission era, affordability has to be evidenced. Credit Canary verifies income and reads committed spending from the applicant's account, so you approve sustainable car finance and defend the decision.
Declared, then verified
A stated income is a claim. Open banking is the evidence.
- Income and budget as typed on the form
- Affordability assumed from bureau and averages
- Thin-file or young drivers declined by default
- Hard to evidence the decision later
- Income verified from real salary credits
- Committed spend read from actual transactions
- Affordable thin-file customers approved on evidence
- A defensible, evidenced affordability decision
Open banking across the car-finance decision
A fair, evidenced affordability check for every applicant.
Income
Verify income down to the payer from real credits.
Affordability
Check the monthly repayment against real surplus.
Conduct
Surface gambling, high-cost credit and returned payments.
Consumer Duty
Evidence a fair, affordable decision you can defend.
The statement, turned into a decision
The Open Banking enrichment behind our wider work, read as verified income and affordability.
Insight from across the platform
Car-finance decisions draw on the same Open Banking depth and modules as the rest of Credit Canary.
Income verification
Turning transactions into verified, evidenced income.
Affordability assessment
Real income minus committed spending, not a declared guess.
Open banking enrichment
How a raw feed becomes clean categories, income and risk.
Affordability score
A decision-ready affordability view from real transactions.
Decisioning engine
Policy, data and models in one live, explainable decision.
All consumer credit products
Credit cards, BNPL, mortgages, car finance and more.
Approve car finance you can defend.
See how Credit Canary verifies income and affordability from a real account.