Pricing built around your lending volume, not ours.
AltFiScore is enterprise infrastructure for licensed lenders. Pricing is custom because lending operations are — but the components are transparent and the sandbox is always free.
Pricing components
Four factors that shape your quote.
We do not believe in hidden line items. These are the variables that determine pricing for every AltFiScore customer.
Decision volume
Per-decision pricing tiers based on your projected monthly volume. The price-per-decision goes down as you scale. No surprise overages.
Product mix
Activate only the products you need. BNPL, auto loans, mortgage, personal loans, and credit cards can be enabled independently. Add new products without renegotiating.
Data sources
Plaid, Argyle, ATTOM, RentTrack, and similar data providers carry pass-through costs. We aggregate them on your invoice for simplicity but pricing is transparent.
Compliance posture
Standard compliance enforcement (TILA, ECOA, FCRA, MLA) is included in every contract. Enhanced audit posture or jurisdiction-specific compliance modules are configurable.
Plan tiers
Three ways to engage with AltFiScore.
Sandbox
Free, forever
Full access to the engine, three pre-seeded test consumers, and the entire API surface. Run as much traffic as you want against your sandbox tenant. No credit card required.
- Pre-seeded test consumers
- All decisioning endpoints
- Same engine as production
- No usage limits worth mentioning
Production
Custom quote
Pricing is tailored to your volume, product mix, and contract preferences. Most customers land in a monthly recurring + per-decision model with volume tiers.
- Production tenant + production keys
- SOC 2 Type II audit report available under NDA
- Dedicated onboarding engineer
- SLAs in your master services agreement
- Audit trails and reporting
Enterprise
Custom contract
For large banks, embedded finance platforms, and BNPL providers with high-volume requirements, custom compliance overlays, or specific deployment topologies.
- Dedicated tenant infrastructure
- Custom data source integrations
- Direct-line support and architecture review
- Negotiated SLAs and uptime credits
- Quarterly business reviews
Frequently asked
Questions buyers ask before quoting.
Why no public pricing?
Every meaningful AltFiScore deployment differs across volume, product mix, data sources, and compliance posture. A published price sheet would be misleading for most of our buyers. A 30-minute call is the fastest way to get an accurate quote.
Do we pay for sandbox usage?
No. The sandbox tenant is free for as long as you use it. Use it for development, CI, staging, and demos without any usage tracking on your account.
How is volume measured?
Per decision returned by our API. A single API request that returns a complete decision counts once. Polling endpoints (GET requests to check status of a pending decision) are not metered.
Do you charge per data source?
Data source costs (Plaid, Argyle, ATTOM, etc.) are pass-through with full transparency. You see exactly what each provider charges. We do not mark up data costs.
What is the contract term?
Most customers choose a 12-month initial term with monthly billing. We also offer shorter pilots and longer multi-year terms for predictable volume in exchange for better unit economics.
How does the sandbox-to-production transition work?
Generate production keys in the lender portal when ready. Your integration code stays unchanged — only the API key prefix changes from altfi_test_ to altfi_live_. The MSA must be executed before production keys are issued.
Ready for a custom quote?
A 30-minute conversation with our team produces a tailored proposal for your lending operations.