DigiFi for Auto Loan Underwriting

DigiFi helps auto lenders optimize and automate their underwriting processes, going beyond traditional underwriting with credit policy automation and predictive machine learning models

  • Leading-edge ML models built with neural networks & boosted trees
  • End-to-end automation of existing credit and pricing policies
  • Integrations with credit bureaus, collateral data and other sources
From Our Blog
Transforming Auto Lending With Machine Learning

Auto lenders are frequently searching for ways to approve more customers, offer better rates and mitigate losses – a tricky balance to achieve. In the data intensive specialty auto finance industry, automated machine learning can transform multiple functions to drastically improve performance...

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POWERFUL PREDICTIVE MODELS
FULLY EXPLAINABLE DECISIONS
BANK-LEVEL COMPLIANCE

Reduce Loan Defaults

Take your underwriting beyond standard credit scores with exceptionally accurate risk models built with next-generation machine learning algorithms

Approve More Customers

Identify more creditworthy borrowers with predictive machine learning models and unlock new online distribution channels with automated underwriting

Eliminate Black Boxes

Benefit from transformative transparency by seeing exactly how decisions are made including clear reasons for complex machine learning predictions

Transform Your Auto Loan Underwriting

Take your underwriting to the next level with powerful machine learning and credit policy automation

IMPROVED CREDIT DECISIONS

Our predictive machine learning models are extremely accurate, eliminating adverse selection

SERVE MORE CUSTOMERS

We empower auto lenders to address a significantly wider credit spectrum, including thin-file applicants

AUTO LENDING INTEGRATIONS

We connect directly to the third-party data sources you need, such as credit bureaus and collateral data

INSTANT APPLICATION PROCESSING

Your other systems can connect to via API to instantly process applications in real-time

EXPLAINABLE MACHINE LEARNING

DigiFi’s proprietary explainability framework provides specific reasons for every ML decision

ACCELERATED BY TECHNOLOGY

Our platform optimizes and automates underwriting processes in a fraction of the time and cost

Our Underwriting Solutions

Machine Learning Risk Models

Extremely accurate predictive models trained with your data and next-generation machine learning

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  • Exceptional power relative to traditional risk scores, such as FICO® or VantageScore®
  • Leverages leading-edge ML tech, including neural networks and gradient-boosted trees
  • Clear explanations for complex ML decisions to meet bank-level compliance requirements

Underwriting Automation

Turnkey automation of your credit policy, underwriting rules and data integrations

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  • Digitizes credit requirements, scoring models, risk-based pricing and exposure management
  • Direct integrations with credit bureaus, alternative data providers and other sources
  • Simple API for instantly processing real-time decisions with complete accuracy
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