Approve on real affordability.
Open banking turns a declared income into a verified one and a guessed budget into a real one. Credit Canary reads the applicant's account to approve personal loans that are genuinely affordable, including the thin-file customers a bureau alone would decline.
Declared, then verified
A typed income is a claim. Open banking is the evidence.
- Income and outgoings as typed by the applicant
- Affordability from bureau data and assumptions
- Thin-file customers declined by default
- Affordability a point-in-time guess
- Income verified from real salary credits
- Committed spend read from actual transactions
- Thin-file but affordable customers approved on evidence
- A current, evidenced affordability view
Open banking across the loan decision
A fair, evidenced affordability check for every applicant.
Income
Verify income down to the payer from real credits.
Affordability
Measure committed spend and surplus from transactions.
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
Personal-loan 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 personal loans that are affordable.
See how Credit Canary verifies income and affordability from a real account.