Loan decisioning
Feed score, arrears and affordability straight into your policy rules.
Bureau scores with the band and the reasoning, the full account picture, month-by-month repayment behaviour, and a net-disposable-income verdict on the facility you are about to write.
22 on time · 2 late · 0 in arrears
Instalments take 29% of net disposable income — QUALIFIED to GHS 52,000.
The bureau score with its range, its band, and a plain-language explanation of what drove it.
Every facility: active, closed, in arrears, in good standing, with outstanding balances and monthly instalments.
Month by month, per facility — the shape of the behaviour rather than a single number.
A net-disposable-income rule applied to the amount you asked about, returning a limit and a qualified verdict.
Every product on this page shares the same request shape, the same response envelope and the same audit trail. Adding one later is a new value in service, not a new integration.
POST /api/v1/credit/affordability
{
"identifier": { "type": "ghana_card", "value": "GHA-000000000-2" },
"purpose": "PERSONAL_LOAN",
"consentReference": "cons_9f2b",
"params": { "amount": 9000 }
}{
"verdict": "QUALIFIED",
"estimatedLimit": 52000,
"ndia": 0.29,
"reasoning": "Instalments would take 29% of net disposable income."
}Feed score, arrears and affordability straight into your policy rules.
Size the facility to the affordability verdict rather than a flat band.
Re-pull on existing customers to catch deterioration early.
Worth knowing. A credit check needs a permissible purpose and a consent reference. We will not run one without both, and both are recorded against the check.
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