Loan Origination System
Automated Decisions
DigiFi’s decision engine enables you to run instant, accurate and auditable decisions using integrations, rules, formulas, models and scorecards to assess creditworthiness, set pricing, verify information and more.
Automated Decisions

Make Instant, Accurate Decisions

Automatically process lending decisions with 100% accuracy and consistency.

Automate Any Decision Icon
Automate Any Decision
From underwriting to verification and anything in between, DigiFi’s decision engine can automate any decision process.
Increase Efficiency Icon
Increase Efficiency
Embrace automation and drive efficiency with DigiFi while other lenders are stuck with manual processes due to IT limitations.
Ensure Consistency Icon
Ensure Consistency
Moving from error-prone manual processing to automated decisioning lets you ensure that your policies are applied consistently.
Full Transparency Icon
Full Transparency
See a complete record of all the decisions made for any application, including the exact inputs, outputs and decision reasons.
Automated Decisions Screenshot

Reduce Defaults, Price Accurately & Prevent Fraud

Benefit from an enterprise-grade decision engine that’s built right into your LOS.

Generate Accurate, Real-Time Decisions
Underwriting, verification and other lending decisions can be automatically processed through DigiFi’s UI or our API to generate immediate results.
Run Individual Or Batch Processes
Decisions can be made individually or in batches, empowering a wide range of loan origination use cases including multiple product decisioning and counter-offers.
Understand End-To-End Decision Results
Each decision includes comprehensive information including inputs, outputs, decline reasons, errors, execution time and processing steps, giving you 100% visibility.

Trusted By Leading Global Lenders

DigiFi is used by a community of forward-thinking lenders that combine the benefits of customization with the speed of a pre-built platform.

Mariner Finance LLC Logo
Personal Loans
“We were able to automate our entire underwriting process - and respond with decisions in seconds at scale.”
Joel Karczewski, CTO Avatar
Joel Karczewski, CTO
Mariner Finance LLC
Greenwave Finance Logo
Buy Now Pay Later
“DigiFi gives us the tools we need to automate integrations and credit decisioning, without writing any code.”
Dave Sewell, CRO Avatar
Dave Sewell, CRO
Greenwave Finance
Zippy Logo
Home Loans
“With DigiFi’s internal resources, knowledge of the industry and flexible platform we were able to quickly turn our ideas into a reality.”
Ben Halliday, CEO Avatar
Ben Halliday, CEO
Zippy
Stealth Mode (NDA) Logo
Small Business Line of Credit
“Our pilot has launched and our first customers already have loans, which is exciting. Everything is good with DigiFi so far!”
Product Manager Avatar
Product Manager
Stealth Mode (NDA)
Mullbry Logo
Home Loans
“DigiFi is one of our competitive advantages over similar lenders. Thank you so much for creating an awesome system that is so flexible.”
Hale Shaw, CEO Avatar
Hale Shaw, CEO
Mullbry
Community 1st Credit Union Logo
Personal Loans
“We’ve been impressed by DigiFi’s ability to meet our standards and help us deliver a customized solar loan origination system.”
Rebecca Riker, VP of Member Experience Avatar
Rebecca Riker, VP of Member Experience
Community 1st Credit Union
Mariner Finance LLC Logo
Personal Loans
“We were able to automate our entire underwriting process - and respond with decisions in seconds at scale.”
Joel Karczewski, CTO Avatar
Joel Karczewski, CTO
Mariner Finance LLC
Greenwave Finance Logo
Buy Now Pay Later
“DigiFi gives us the tools we need to automate integrations and credit decisioning, without writing any code.”
Dave Sewell, CRO Avatar
Dave Sewell, CRO
Greenwave Finance
Zippy Logo
Home Loans
“With DigiFi’s internal resources, knowledge of the industry and flexible platform we were able to quickly turn our ideas into a reality.”
Ben Halliday, CEO Avatar
Ben Halliday, CEO
Zippy
Stealth Mode (NDA) Logo
Small Business Line of Credit
“Our pilot has launched and our first customers already have loans, which is exciting. Everything is good with DigiFi so far!”
Product Manager Avatar
Product Manager
Stealth Mode (NDA)
Mullbry Logo
Home Loans
“DigiFi is one of our competitive advantages over similar lenders. Thank you so much for creating an awesome system that is so flexible.”
Hale Shaw, CEO Avatar
Hale Shaw, CEO
Mullbry
Community 1st Credit Union Logo
Personal Loans
“We’ve been impressed by DigiFi’s ability to meet our standards and help us deliver a customized solar loan origination system.”
Rebecca Riker, VP of Member Experience Avatar
Rebecca Riker, VP of Member Experience
Community 1st Credit Union
Mariner Finance LLC Logo
Personal Loans
“We were able to automate our entire underwriting process - and respond with decisions in seconds at scale.”
Joel Karczewski, CTO Avatar
Joel Karczewski, CTO
Mariner Finance LLC
Greenwave Finance Logo
Buy Now Pay Later
“DigiFi gives us the tools we need to automate integrations and credit decisioning, without writing any code.”
Dave Sewell, CRO Avatar
Dave Sewell, CRO
Greenwave Finance
Zippy Logo
Home Loans
“With DigiFi’s internal resources, knowledge of the industry and flexible platform we were able to quickly turn our ideas into a reality.”
Ben Halliday, CEO Avatar
Ben Halliday, CEO
Zippy
Stealth Mode (NDA) Logo
Small Business Line of Credit
“Our pilot has launched and our first customers already have loans, which is exciting. Everything is good with DigiFi so far!”
Product Manager Avatar
Product Manager
Stealth Mode (NDA)
Mullbry Logo
Home Loans
“DigiFi is one of our competitive advantages over similar lenders. Thank you so much for creating an awesome system that is so flexible.”
Hale Shaw, CEO Avatar
Hale Shaw, CEO
Mullbry
Community 1st Credit Union Logo
Personal Loans
“We’ve been impressed by DigiFi’s ability to meet our standards and help us deliver a customized solar loan origination system.”
Rebecca Riker, VP of Member Experience Avatar
Rebecca Riker, VP of Member Experience
Community 1st Credit Union
Mariner Finance LLC Logo
Personal Loans
“We were able to automate our entire underwriting process - and respond with decisions in seconds at scale.”
Joel Karczewski, CTO Avatar
Joel Karczewski, CTO
Mariner Finance LLC
Greenwave Finance Logo
Buy Now Pay Later
“DigiFi gives us the tools we need to automate integrations and credit decisioning, without writing any code.”
Dave Sewell, CRO Avatar
Dave Sewell, CRO
Greenwave Finance
Zippy Logo
Home Loans
“With DigiFi’s internal resources, knowledge of the industry and flexible platform we were able to quickly turn our ideas into a reality.”
Ben Halliday, CEO Avatar
Ben Halliday, CEO
Zippy
Stealth Mode (NDA) Logo
Small Business Line of Credit
“Our pilot has launched and our first customers already have loans, which is exciting. Everything is good with DigiFi so far!”
Product Manager Avatar
Product Manager
Stealth Mode (NDA)
Mullbry Logo
Home Loans
“DigiFi is one of our competitive advantages over similar lenders. Thank you so much for creating an awesome system that is so flexible.”
Hale Shaw, CEO Avatar
Hale Shaw, CEO
Mullbry
Community 1st Credit Union Logo
Personal Loans
“We’ve been impressed by DigiFi’s ability to meet our standards and help us deliver a customized solar loan origination system.”
Rebecca Riker, VP of Member Experience Avatar
Rebecca Riker, VP of Member Experience
Community 1st Credit Union
Mariner Finance LLC Logo
Personal Loans
“We were able to automate our entire underwriting process - and respond with decisions in seconds at scale.”
Joel Karczewski, CTO Avatar
Joel Karczewski, CTO
Mariner Finance LLC
Greenwave Finance Logo
Buy Now Pay Later
“DigiFi gives us the tools we need to automate integrations and credit decisioning, without writing any code.”
Dave Sewell, CRO Avatar
Dave Sewell, CRO
Greenwave Finance
Zippy Logo
Home Loans
“With DigiFi’s internal resources, knowledge of the industry and flexible platform we were able to quickly turn our ideas into a reality.”
Ben Halliday, CEO Avatar
Ben Halliday, CEO
Zippy
Stealth Mode (NDA) Logo
Small Business Line of Credit
“Our pilot has launched and our first customers already have loans, which is exciting. Everything is good with DigiFi so far!”
Product Manager Avatar
Product Manager
Stealth Mode (NDA)
Mullbry Logo
Home Loans
“DigiFi is one of our competitive advantages over similar lenders. Thank you so much for creating an awesome system that is so flexible.”
Hale Shaw, CEO Avatar
Hale Shaw, CEO
Mullbry
Community 1st Credit Union Logo
Personal Loans
“We’ve been impressed by DigiFi’s ability to meet our standards and help us deliver a customized solar loan origination system.”
Rebecca Riker, VP of Member Experience Avatar
Rebecca Riker, VP of Member Experience
Community 1st Credit Union
ProFund Logo
Financial Technology
“We were looking for a platform that could support our unique business model and nothing came close to DigiFi in terms of flexibility offered.”
Tim Trankina, President Avatar
Tim Trankina, President
ProFund
HFS Financial Logo
Personal Loans
“Our trust in DigiFi has paid off in spades. They’ve helped us transition from manual to automated processing and rapidly grow our business.”
Andrew Collins, COO Avatar
Andrew Collins, COO
HFS Financial
KindTap Logo
Buy Now Pay Later
“DigiFi has helped us create a fully automated, real-time process for underwriting, allowing us to create an impressive digital experience for our customers.”
Cathy Iannuzzelli, President Avatar
Cathy Iannuzzelli, President
KindTap
Mortgage Token Logo
Home Loans
“DigiFi’s flexible platform and open-API structure let us build amazing proprietary technology and offer a unique value proposition.”
Lauren Romanowski, COO Avatar
Lauren Romanowski, COO
Mortgage Token
Plannery Logo
Personal Loans
“DigiFi’s developer-first approach has been a perfect fit for us and significantly reduced the effort required to launch an innovative lending product.”
Krishnan Gopalakrishnan, CEO Avatar
Krishnan Gopalakrishnan, CEO
Plannery
ProFund Logo
Financial Technology
“We were looking for a platform that could support our unique business model and nothing came close to DigiFi in terms of flexibility offered.”
Tim Trankina, President Avatar
Tim Trankina, President
ProFund
HFS Financial Logo
Personal Loans
“Our trust in DigiFi has paid off in spades. They’ve helped us transition from manual to automated processing and rapidly grow our business.”
Andrew Collins, COO Avatar
Andrew Collins, COO
HFS Financial
KindTap Logo
Buy Now Pay Later
“DigiFi has helped us create a fully automated, real-time process for underwriting, allowing us to create an impressive digital experience for our customers.”
Cathy Iannuzzelli, President Avatar
Cathy Iannuzzelli, President
KindTap
Mortgage Token Logo
Home Loans
“DigiFi’s flexible platform and open-API structure let us build amazing proprietary technology and offer a unique value proposition.”
Lauren Romanowski, COO Avatar
Lauren Romanowski, COO
Mortgage Token
Plannery Logo
Personal Loans
“DigiFi’s developer-first approach has been a perfect fit for us and significantly reduced the effort required to launch an innovative lending product.”
Krishnan Gopalakrishnan, CEO Avatar
Krishnan Gopalakrishnan, CEO
Plannery
ProFund Logo
Financial Technology
“We were looking for a platform that could support our unique business model and nothing came close to DigiFi in terms of flexibility offered.”
Tim Trankina, President Avatar
Tim Trankina, President
ProFund
HFS Financial Logo
Personal Loans
“Our trust in DigiFi has paid off in spades. They’ve helped us transition from manual to automated processing and rapidly grow our business.”
Andrew Collins, COO Avatar
Andrew Collins, COO
HFS Financial
KindTap Logo
Buy Now Pay Later
“DigiFi has helped us create a fully automated, real-time process for underwriting, allowing us to create an impressive digital experience for our customers.”
Cathy Iannuzzelli, President Avatar
Cathy Iannuzzelli, President
KindTap
Mortgage Token Logo
Home Loans
“DigiFi’s flexible platform and open-API structure let us build amazing proprietary technology and offer a unique value proposition.”
Lauren Romanowski, COO Avatar
Lauren Romanowski, COO
Mortgage Token
Plannery Logo
Personal Loans
“DigiFi’s developer-first approach has been a perfect fit for us and significantly reduced the effort required to launch an innovative lending product.”
Krishnan Gopalakrishnan, CEO Avatar
Krishnan Gopalakrishnan, CEO
Plannery
ProFund Logo
Financial Technology
“We were looking for a platform that could support our unique business model and nothing came close to DigiFi in terms of flexibility offered.”
Tim Trankina, President Avatar
Tim Trankina, President
ProFund
HFS Financial Logo
Personal Loans
“Our trust in DigiFi has paid off in spades. They’ve helped us transition from manual to automated processing and rapidly grow our business.”
Andrew Collins, COO Avatar
Andrew Collins, COO
HFS Financial
KindTap Logo
Buy Now Pay Later
“DigiFi has helped us create a fully automated, real-time process for underwriting, allowing us to create an impressive digital experience for our customers.”
Cathy Iannuzzelli, President Avatar
Cathy Iannuzzelli, President
KindTap
Mortgage Token Logo
Home Loans
“DigiFi’s flexible platform and open-API structure let us build amazing proprietary technology and offer a unique value proposition.”
Lauren Romanowski, COO Avatar
Lauren Romanowski, COO
Mortgage Token
Plannery Logo
Personal Loans
“DigiFi’s developer-first approach has been a perfect fit for us and significantly reduced the effort required to launch an innovative lending product.”
Krishnan Gopalakrishnan, CEO Avatar
Krishnan Gopalakrishnan, CEO
Plannery
ProFund Logo
Financial Technology
“We were looking for a platform that could support our unique business model and nothing came close to DigiFi in terms of flexibility offered.”
Tim Trankina, President Avatar
Tim Trankina, President
ProFund
HFS Financial Logo
Personal Loans
“Our trust in DigiFi has paid off in spades. They’ve helped us transition from manual to automated processing and rapidly grow our business.”
Andrew Collins, COO Avatar
Andrew Collins, COO
HFS Financial
KindTap Logo
Buy Now Pay Later
“DigiFi has helped us create a fully automated, real-time process for underwriting, allowing us to create an impressive digital experience for our customers.”
Cathy Iannuzzelli, President Avatar
Cathy Iannuzzelli, President
KindTap
Mortgage Token Logo
Home Loans
“DigiFi’s flexible platform and open-API structure let us build amazing proprietary technology and offer a unique value proposition.”
Lauren Romanowski, COO Avatar
Lauren Romanowski, COO
Mortgage Token
Plannery Logo
Personal Loans
“DigiFi’s developer-first approach has been a perfect fit for us and significantly reduced the effort required to launch an innovative lending product.”
Krishnan Gopalakrishnan, CEO Avatar
Krishnan Gopalakrishnan, CEO
Plannery
Mariner Finance LLC Logo
Personal Loans
“We were able to automate our entire underwriting process - and respond with decisions in seconds at scale.”
Joel Karczewski, CTO Avatar
Joel Karczewski, CTO
Mariner Finance LLC
Greenwave Finance Logo
Buy Now Pay Later
“DigiFi gives us the tools we need to automate integrations and credit decisioning, without writing any code.”
Dave Sewell, CRO Avatar
Dave Sewell, CRO
Greenwave Finance
Zippy Logo
Home Loans
“With DigiFi’s internal resources, knowledge of the industry and flexible platform we were able to quickly turn our ideas into a reality.”
Ben Halliday, CEO Avatar
Ben Halliday, CEO
Zippy
Stealth Mode (NDA) Logo
Small Business Line of Credit
“Our pilot has launched and our first customers already have loans, which is exciting. Everything is good with DigiFi so far!”
Product Manager Avatar
Product Manager
Stealth Mode (NDA)
Mullbry Logo
Home Loans
“DigiFi is one of our competitive advantages over similar lenders. Thank you so much for creating an awesome system that is so flexible.”
Hale Shaw, CEO Avatar
Hale Shaw, CEO
Mullbry
Community 1st Credit Union Logo
Personal Loans
“We’ve been impressed by DigiFi’s ability to meet our standards and help us deliver a customized solar loan origination system.”
Rebecca Riker, VP of Member Experience Avatar
Rebecca Riker, VP of Member Experience
Community 1st Credit Union
ProFund Logo
Financial Technology
“We were looking for a platform that could support our unique business model and nothing came close to DigiFi in terms of flexibility offered.”
Tim Trankina, President Avatar
Tim Trankina, President
ProFund
HFS Financial Logo
Personal Loans
“Our trust in DigiFi has paid off in spades. They’ve helped us transition from manual to automated processing and rapidly grow our business.”
Andrew Collins, COO Avatar
Andrew Collins, COO
HFS Financial
KindTap Logo
Buy Now Pay Later
“DigiFi has helped us create a fully automated, real-time process for underwriting, allowing us to create an impressive digital experience for our customers.”
Cathy Iannuzzelli, President Avatar
Cathy Iannuzzelli, President
KindTap
Mortgage Token Logo
Home Loans
“DigiFi’s flexible platform and open-API structure let us build amazing proprietary technology and offer a unique value proposition.”
Lauren Romanowski, COO Avatar
Lauren Romanowski, COO
Mortgage Token
Plannery Logo
Personal Loans
“DigiFi’s developer-first approach has been a perfect fit for us and significantly reduced the effort required to launch an innovative lending product.”
Krishnan Gopalakrishnan, CEO Avatar
Krishnan Gopalakrishnan, CEO
Plannery

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DigiFi’s cloud platform includes a loan origination system, no-code setup, digital lending portal and developer tools to extend the platform.

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