Smarter Solutions Installment & Single Repayment Lenders

Our T°Score™ technology is a powerful score that yields optimized performance for installment lenders, offering an extremely accurate prediction on the risk of delinquency or default amongst customers or prospects.

By leveraging credit bureau and alternative data, the T°Score™ scores more applications and evaluates more information than traditional credit-only risk scores.

REQUEST A DEMO CASE STUDY
Group 7 (1)
502065210-trustscience_icons-graphics-230518_1 Installment-1 Installment-2 Installment-3

Data-Driven Support for Modern Challenges

Based on an aggregated analysis of nearly 3 million non-prime US borrowers spanning three distinct time periods, Trust Science found substantial lift for both 6 and 12 month performance horizons when compared to a leading industry benchmark score.

Our platform's statistically validated scoring model delivers:

  • Up to 66.88% KS Lift
  • Consistently Predictive Performance Over Time
  • Up to 33.26% Bad Capture (10%) Lift
  • More Scored Applications for an expanded lending base
REQUEST A DEMO

Customizable Insights Tailored to Lenders

Economic uncertainty and shifting consumer credit trends call for smarter solutions. Trust Science partners with lenders to overcome the challenges posed by today’s subprime borrowers.

Record inflation rates, economic contractions, and general post-pandemic adjustments have hit subprime borrowers particularly hard. Installment loans are seeing an increase in late payments, with consumers who are at least 60 days delinquent seeing the largest increase — defaults are converging with pre-pandemic levels at an unexpectedly high rate.

REQUEST A DEMO

Empowering Lenders to Make an Impact

Our Installment and Payday Model delivers a subprime-optimized scoring system, tailored to meet the demands of the current lending landscape. 

Lenders gain access to highly predictive scores that enable safer, data-driven lending to underbanked customers, known as Invisible Primes™. Real-world results speak volumes about the Six°Score™ advantage. A study comparing traditional bureau scores with Six°Score™ found impressive portfolio performance improvements:

  • Gini uplift: 37.77%
  • ROC (Receiver Operating Characteristic) uplift: 10.81%
  • KS (Kolmogorov-Smirnov) uplift: 47.68%

When these gains were applied to financial metrics using average loan values, lenders experienced significant boosts in return on capital:

  • Lender A: 11.50% lift
  • Lender B: 16.04% lift
REQUESET A DEMO

Unparalleled Clarity

In addition to being highly predictive, Six°Score™ allows lenders to delve deeply into a borrower’s current financial background. Included in our platform is an extensive range of insights and ECOA-compliant reason codes for each score generated, as well as the ability to recommend loan and payment amounts for prospective borrowers tailored to a lender’s risk preference.

REQUEST A DEMO
502065210-trustscience_icons-graphics-230518_1

Data-Driven Support for Modern Challenges

Based on an aggregated analysis of nearly 3 million non-prime US borrowers spanning three distinct time periods, Trust Science found substantial lift for both 6 and 12 month performance horizons when compared to a leading industry benchmark score.

Our platform's statistically validated scoring model delivers:

  • Up to 66.88% KS Lift
  • Consistently Predictive Performance Over Time
  • Up to 33.26% Bad Capture (10%) Lift
  • More Scored Applications for an expanded lending base
REQUEST A DEMO
Installment-1

Customizable Insights Tailored to Lenders

Economic uncertainty and shifting consumer credit trends call for smarter solutions. Trust Science partners with lenders to overcome the challenges posed by today’s subprime borrowers.

Record inflation rates, economic contractions, and general post-pandemic adjustments have hit subprime borrowers particularly hard. Installment loans are seeing an increase in late payments, with consumers who are at least 60 days delinquent seeing the largest increase — defaults are converging with pre-pandemic levels at an unexpectedly high rate.

REQUEST A DEMO
Installment-2

Empowering Lenders to Make an Impact

Our Installment and Payday Model delivers a subprime-optimized scoring system, tailored to meet the demands of the current lending landscape. 

Lenders gain access to highly predictive scores that enable safer, data-driven lending to underbanked customers, known as Invisible Primes™. Real-world results speak volumes about the Six°Score™ advantage. A study comparing traditional bureau scores with Six°Score™ found impressive portfolio performance improvements:

  • Gini uplift: 37.77%
  • ROC (Receiver Operating Characteristic) uplift: 10.81%
  • KS (Kolmogorov-Smirnov) uplift: 47.68%

When these gains were applied to financial metrics using average loan values, lenders experienced significant boosts in return on capital:

  • Lender A: 11.50% lift
  • Lender B: 16.04% lift
REQUESET A DEMO
Installment-3

Unparalleled Clarity

In addition to being highly predictive, Six°Score™ allows lenders to delve deeply into a borrower’s current financial background. Included in our platform is an extensive range of insights and ECOA-compliant reason codes for each score generated, as well as the ability to recommend loan and payment amounts for prospective borrowers tailored to a lender’s risk preference.

REQUEST A DEMO
TS-Asset_16

Experience the Power of Smarter Lending

Request a demo to see our innovative platform in action. Learn how T°Score™ can help you confidently serve underserved markets, boost your portfolio performance, and achieve measurable growth. 

 
REQUEST A DEMO
Trust Science Logo

10130 103 Street, Floor 11
Edmonton, AB Canada T5J 3N9

1(866) 687-8789

aicpa
arbia