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Insight Score for Personal Loans

An FCRA risk score optimized for unsecured lending. By combining credit and alternative data with explainable AI, lenders can expand approvals, improve predictive accuracy, and deliver a seamless borrower experience.
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Say “Yes” to More Borrowers with Confidence

Personal loans are growing in popularity, but traditional credit scores may overlook some potentially credit-worthy consumers. Insight Score for Personal Loans helps lenders expand their portfolios responsibly by combining traditional credit data with alternative data—such as telecom, pay TV, and utility payments—and advanced modeling through NeuroDecision® Technology. The result is greater predictive power, higher approval rates, and a frictionless customer experience that keeps you competitive in today’s lending market.

Expand Market Reach
Layer alternative data to evaluate credit-invisible, thin-file, and underbanked consumers.
Greater Predictive Accuracy
Harness trended data, machine learning, and explainable AI (XAI) to differentiate risk more effectively.
Frictionless Borrower Experience
Streamline applications without requiring additional documents, reducing drop-offs and improving conversions.
More Competitive Offers
More accurately segment borrowers to provide personalized loan terms and increase retention.
Responsible Lending
Support regulatory compliance with transparent, explainable scoring powered by NeuroDecision® Technology.

Use Cases for Personal Loan Lenders

Lenders across fintech, banking, and financial services use Insight Score to:

Customer Acquisition

Approve more applicants with thin or no credit files.

Portfolio Growth

Expand loan volumes responsibly while controlling delinquency risk.

How Our Solution Works

Insight Score combines multiple data layers to deliver a holistic, predictive risk score:
Alternative Data Sources
Augment traditional credit with telecom, pay TV, and utility payment history to widen the pool of prospects.
Advanced Predictive Modeling
Apply NeuroDecision® Technology and explainable AI to enhance accuracy and transparency in lending decisions.
Flexible Configuration
Adapt the score to your policies, improve targeting, and deliver the most competitive offers to each applicant.

Why Choose Equifax for Personal Loan Risk Scoring

Only Equifax delivers the combination of expansive alternative data, patented explainable AI, and decades of credit expertise to help lenders increase approvals, improve risk accuracy, and grow responsibly.

Frequently Asked Questions

A proprietary FCRA-compliant risk score optimized for unsecured personal loans, leveraging both credit and alternative data.

Traditional models rely solely on credit report history. Insight Score for Personal Loans adds alternative data like utility, telecom, and pay TV payments, plus explainable AI for higher accuracy.

To expand approvals, improve risk prediction, and confidently serve credit-invisible or underbanked consumers.

Applicants with thin or no credit files can demonstrate financial responsibility through alternative payment history, improving their access to credit.

eBook

5 Reasons To Incorporate Alternative Data Into Your Lending Practices

Evolve your lending with 5 alternative data strategies. Boost approvals, reduce risk, and find new growth opportunities for your business.
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Related Resources

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Expand Access To Credit With Alternative Data From Equifax
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Insight Score for Personal Loans
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