Responsible Lending
Made Simple
affordify.ai helps banks, brokerages, and dealerships unlock precise affordability insights with real-time financial data and AI-driven analysis. Move beyond credit scores—empower better lending decisions, protect consumers, and accelerate approvals
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the Problem
Outdated Credit Checks Create Friction Across the Journey
Traditional credit checks are blunt instruments
Consumers face friction, unnecessary hard pulls, and limited visibility into their real buying power
Lenders are burdened with incomplete applications, misaligned credit submissions, and compliance risks
Agents, brokers, and dealerships miss opportunities because buyers drop out of the funnel early
the Solution
affordify.ai Responsible Lending Engine™
We connect securely to consumer-authorized banking data, apply proprietary AI-driven affordability scoring, and deliver real-time, credit-safe insights
For Consumers
Transparency into what they can truly afford, without damaging credit
Transparency into what they can truly afford, without damaging credit
For Lenders
Pre-qualified, finance-ready leads that reduce risk and speed up approvals
Pre-qualified, finance-ready leads that reduce risk and speed up approvals
For Agents/Dealerships
Higher lead conversion, faster closing, and better customer experiences
Higher lead conversion, faster closing, and better customer experiences
The affordify.ai Products
HomePlan™ — Mortgage Affordability
Instant buying power assessments at open houses or online
Protects credit (no hard pull) while showing real affordability
Helps agents and brokers qualify buyers earlier and secure lender-ready leads
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DrivePlan™ — Auto Finance Affordability
Real-time affordability checks on the lot, via QR code, or integrated into dealership websites
Provides lenders with structured, finance-ready applications
Boosts consumer trust and accelerates approvals
use cases
affordify.ai works for everyone — especially for...
Banks & Credit Unions
Increase approval accuracy, meet compliance obligations, and expand responsible lending practices
Auto Dealerships
Replace static calculators with interactive affordability tools that capture and qualify buyers instantly
Real Estate Brokerages
Empower agents with a modern lead-capture solution that demonstrates buying power safely
Consumers
Gain clarity on affordability without risking their credit score or locking into a single lender
Key Features That Power Financial[Clarity
Banking Data Connectivity
Secure consumer-permissioned access to financial data
Real-Time AI Analysis
Adaptive affordability scoring with contextual and behavioral insights
White-Label Dashboards
Customizable portals for lenders, brokerages, and dealerships
API-First Architecture
Easily embed into websites, apps, or CRM workflows
Multi-Channel Delivery
QR codes, website buttons, email links, or API connections
Multi-Market Ready
Built for EU, UK, US, and MENA compliance
How it works
Step 1
Lead clicks on your HomePlan™ or DrivePlan™ tool (online or in-person)
Step 2
Lead connects their bank account using secure and encypted banking rails
Step 3
affordify.ai calculates: Affordability range, Debt-to-Income ratio, Monthly payment projection, Custom scenarios (loan terms, down payment options), etc
Step 4
Results go directly to your CRM or your email inbox
Compliance & Security
Banking Standards Compliant
Consumer consent, auditability, and secure data flows
GDPR-Ready
Data minimization and transparent processing
SOC 2 Alignment
Enterprise-grade data security
Responsible Lending by Design
Affordability-first, not credit-first
Why affordify.ai?
Reduce defaults by qualifying buyers responsibly
Improve lender and dealership profitability with cleaner submissions
Build consumer trust through transparency and credit-safe pre-checks
Stay ahead of evolving compliance and financial regulations
Ready to make lending smarter, safer, and more responsible?
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