AltFiScoreDocs

API Reference

AltFiScore is a JSON REST API. All endpoints are versioned under /v1. Authentication uses bearer tokens via the Authorization header. Every state-changing endpoint supports idempotency keys.

Base URL

All API requests go to:

https://api.altfiscore.com

One environment, two key types

The base URL is the same for sandbox and production. The environment is determined by which API key you send. See authentication for details.

Decision endpoints

Decision endpoints produce credit decisions for a specific product. Each product has its own endpoint with product-specific request and response shapes:

POST
/v1/decisions/bnpl

Score a buy-now-pay-later transaction with tiered KYC orchestration.

GET
/v1/decisions/bnpl/{decision_id}

Poll the status of a BNPL decision that returned needs_consumer_action.

POST
/v1/decisions/auto-loan

Direct and indirect auto loan decisioning with dealer markup support.

Coming soon
POST
/v1/decisions/mortgage

QM-compliant mortgage decisioning with ATR factor documentation.

Coming soon
POST
/v1/decisions/personal-loan

Cash flow underwriting for personal loans.

Coming soon
POST
/v1/decisions/credit-card

Revolving credit decisioning with dynamic credit limit logic.

Coming soon

Conventions

Resource IDs. All resource IDs (decision_id, consumer_id, application_id) are UUIDv4. They're globally unique and safe to use in URLs.

Money. All monetary values are strings, not numbers, to avoid floating-point representation issues. Format: "850.00". Currency is always specified separately in a currency field (ISO 4217 code).

Dates. Dates use ISO 8601: "2026-05-15". Timestamps include time zone offset: "2026-05-15T13:42:11.234Z".

Errors. Non-2xx responses have a stable shape with error, message, and request_id. See the full error reference.

Next steps

Start with the BNPL endpoint reference — the most complete and currently the only production-ready endpoint.