Lend on equity, and real affordability.
Security is only half the decision. Credit Canary verifies income and reads committed spending from the applicant's account, so a secured loan is affordable as well as secured, and the decision is evidenced.
Secured, and affordable
Equity is not affordability. Open banking shows both sides.
- Affordability inferred from equity and bureau data
- Income and outgoings as declared
- Existing commitments easy to understate
- Vulnerability and stress hard to see
- Income verified from real salary credits
- Committed spend read from actual transactions
- Existing credit and commitments surfaced from the feed
- Signs of stress and vulnerability surfaced early
Open banking across the secured-loan decision
A fuller view than security alone.
Income
Verify income down to the payer from real credits.
Affordability
Measure committed spend and surplus from transactions.
Commitments
Surface existing credit, including borrowing held elsewhere.
Consumer Duty
Evidence a fair, affordable decision alongside security.
The statement, turned into affordability
The Open Banking enrichment behind our wider work, read as verified income and real outgoings.
Insight from across the platform
Secured-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.
Lend secured, and affordable.
See how Credit Canary evidences affordability from a real account.