Replace 2-day stip cycles with 287ms decisions.
AltFiScore underwrites direct and indirect auto loans using Argyle employment verification — surfacing income stability bureaus miss. Built for credit unions, captive lenders, and dealer-network banks.
POST /v1/decisions/auto-loan
Outcome
Approved
Channel
Direct
Grade
B
Approved amount
9.0% APR · 72mo
$28,500
$514/mo · LTV 95%
What changed the decision
Bureau FICO: 612 → would decline
Argyle: 4yr W-2 verified, $90K stable → approve
Auto underwriters spend 3 hours on stips that haven't changed since 1995.
Pay stubs, W-2s, employer phone calls — the standard auto stip workflow still requires manual document collection 30 years after Plaid and Argyle existed. Result: customers walk to the dealer down the street, your CSAT drops, and 70% of declines are thin-file borrowers who would have repaid.
2.3 days
Industry average time-to-decision for indirect auto loans. AltFiScore returns the same decision in under 500ms.
Verified employment + income, no stips required.
AltFiScore connects to Argyle for direct payroll provider verification — surfacing W-2 income, employment tenure, and pay frequency in real time. Combined with Plaid bank flow and ATTOM vehicle valuation, you get the same data underwriters manually pull, without the manual.
Employment tenure
12+ months at current employer is a stronger predictor of 72-month auto repayment than a thin bureau file. Verified directly from payroll.
Verified annual income
Real W-2 income from the payroll provider — no pay stub OCR, no employer phone calls, no manual income calc errors.
Debt-to-income ratio
Live DTI calculated from actual checking/savings outflows + verified Argyle income. Catches DTI bureau APIs miss.
Vehicle market value
Independent valuation prevents LTV manipulation. Federal LTV caps (130% direct / 110% indirect) enforced automatically.
Stability composite
Combines employment tenure, bank account age, and address stability into a single signal that outperforms FICO for thin-file borrowers.
Dealer F&I markup math
Built-in buy-rate / sell-rate logic for indirect channel. Reg Z compliant disclosures generated for both consumer and dealer.
Rate bands and policy thresholds
Configurable rate bands per tenant. Federal compliance caps applied automatically. All policy decisions are versioned, reproducible, and audit-logged.
| Grade | Score range | APR |
|---|---|---|
| A+ | 880–1000 | 4.5% |
| A | 820–879 | 6.5% |
| B | 740–819 | 9.0% |
| C | 660–739 | 13.5% |
| D | 300–659 | 18.0% |
Federal compliance caps
- LTV 130% for direct lending channel
- LTV 110% for indirect (dealer) channel
- MLA 36% APR cap for active-duty military
- Reg Z disclosure attached to every approval
One endpoint. JSON in, JSON out.
Idempotent. Versioned. TILA disclosures and FCRA codes built in. Sandbox tenant for testing, production tenant when you're ready.
- 1Sign up for a sandbox tenant with test consumers
- 2Choose channel: direct or indirect (dealer network)
- 3POST to /v1/decisions/auto-loan with consumer + loan + vehicle
- 4Engine verifies LTV cap, runs 7 gates, calculates dealer markup if indirect
- 5Receive approval with full Reg Z disclosure attached
POST /v1/decisions/auto-loan
curl -X POST 'https://api.altfiscore.com/v1/decisions/auto-loan' \
-H 'Authorization: Bearer altfi_live_YOUR_KEY' \
-H 'Content-Type: application/json' \
-d '{
"consumer": {
"first_name": "Marcus",
"last_name": "Chen",
"email": "marcus@example.com",
"dob": "1988-11-08",
"ssn_last4": "4521"
},
"loan": {
"requested_amount": 28500,
"term_months": 72,
"channel": "direct"
},
"vehicle": {
"year": 2023,
"make": "Toyota",
"model": "Camry",
"vin": "4T1B11HK7JU123456",
"value": 30000
}
}'← Response · 200 OK
{
"decision_id": "a1b2c3d4-...",
"status": "complete",
"outcome": "approved",
"score_at_decision": 742,
"risk_grade": "B",
"channel": "direct",
"recommended_amount": "28500.00",
"recommended_apr": "9.0",
"recommended_tenure_months": 72,
"estimated_monthly_installment": "513.84",
"ltv_pct": 95.0,
"federal_ltv_cap": 130,
"ltv_within_cap": true,
"tila_disclosure": { /* full Reg Z block */ }
}Built for compliance teams.
Every decision is versioned, reproducible, and audit-logged. Adverse action codes follow ECOA Regulation B. Disclosures meet TILA Reg Z.
Reg Z (TILA)
Truth in Lending disclosures generated with amount financed, finance charge, total of payments, and APR — both consumer and dealer versions.
Reg B (ECOA)
FCRA-compliant adverse action codes returned in every declined or referred decision.
GLBA
Safeguards Rule compliant data handling. SOC 2 Type II certified infrastructure.
MLA
Active-duty military APR cap (36%) detected and applied automatically.
Federal LTV
Maximum 130% LTV for direct lending, 110% for indirect (dealer-originated) loans.
State licensing
Per-state APR ceilings and finance charge limits applied based on consumer residence.
Cut auto decision time from 2 days to 287ms.
Sandbox includes 3 vehicle types and direct + indirect channels. Test full Reg Z compliance + federal LTV enforcement.