Solutions / Personal Loan
Score personal loan applicants without a bureau file.
Most personal loan applicants in your market have thin or no formal credit history. Wealthstein scores them anyway — off real financial and identity behavior — so you can make a same-session decision instead of declining on missing data.
Use Cases
Where this shows up in practice.
Unsecured consumer lending
Approve small-ticket personal loans in seconds, backed by a score built from real payment behavior, not a guess.
Thin-file first-time borrowers
Applicants with no formal loan history still get scored — the model starts neutral and moves with evidence, not absence of it.
Repeat-borrower monitoring
Scores refresh as new data arrives, so a returning applicant's second or third loan is priced against their current behavior.
Now Piloting
Bring your own thin-file portfolio.
Score applicants a bureau can't reach. We're running a hands-on pilot with our next 20 lenders — bring a real batch of applicants, and we'll show you the scores against your outcomes before you commit anything.