Credit for the Underestimated

Smiling woman representing customer success alongside icons highlighting rate reduction, free FICO score, flexible payments, fair valuation, increased credit, and financial education powered by Applied Data Finance.

Laser-focused on
customer success

We are committed to financial inclusion, and operate under the principle that we only succeed when our customers do.

Portraits representing consumers seeking loans for debt consolidation, a dental emergency, and a wedding, illustrating Applied Data Finance’s mission to serve underestimated borrowers through advanced data science and technology

Underestimated?
Not by us

We aim to better meet the financial needs of underestimated consumers across the credit spectrum through our mastery of cutting-edge data science and technology and our commitment to mutual success.

Smiling family representing the consumers Applied Data Finance aims to support by expanding access to fair credit and financial inclusion for underestimated borrowers

Why ”underestimated?”

ADF uses data to open up access to credit for the tens of millions of underestimated consumers -- people who have traditionally been frozen out of borrowing altogether, or unable to borrow at rates that reflect their true creditworthiness.

37%

of American adults could not cover an emergency expense of $400 without assistance.¹

42%

of U.S. adults cannot access credit at prime or mainstream prices.²

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1 - May 2025 Federal Reserve System Board of Governors Report on the Economic Well-Being of U.S. Households in 2024.
2 - Financial Inclusion and Access to Credit, Oliver Wyman, 2022.