Agility Credit's Digital Credit Application is the next generation of credit intake — built for speed, compliance and flexibility. Designed with both the consumer and enterprise in mind, this solution delivers a modern, mobile-first experience that automates every step of the application process — from data collection to prequalification, credit pulls and identity verification. With enterprise-grade security, built-in compliance workflows and seamless third-party integrations, our platform ensures every application is accurate, accessible and compliant — no matter where or how your customers apply.
Key Features:
- Fully Dynamic Form Engine – Every field in the application is configurable — show, hide, or mark as required based on your business logic, product type, or customer flow.
- Automated Credit Pulls – Instantly retrieve bureau credit data from Experian, TransUnion, or Equifax through integrated APIs.
- Integrated Identity Verification & KYC – Run out-of-wallet knowledge-based authentication (KBA) and real-time ID verification automatically within the application workflow.
- Prequalification Built-In – Offer soft-pull prequalification to reduce friction and improve conversion rates — all without impacting consumer credit scores.
- Modern, Mobile-Optimized UI – A sleek, ADA-compliant interface designed to deliver a frictionless experience across devices — built for today's digital consumer.
- Multilingual Support – Available in 12 languages, enabling inclusive access and localized customer experiences.
- Security at the Bureau Level – Data is processed and stored using the same enterprise-grade security standards applied to our credit bureau integrations, including AES-256 encryption, SOC 2 certification and strict role-based access.
- Compliance by Design – Automatically deliver privacy notices and e-signature consent to consumers during the application process. All submissions and disclosures are stored electronically for full auditability.
- Third-Party Integrations – Connect with CRM, LOS, DMS and lead-management systems to push approved or incomplete applications directly into your existing workflows.
Benefits:
- Faster Applications: Reduce completion time and boost conversion rates with pre-filled, responsive forms.
- Enhanced Security: Industry-leading encryption and infrastructure equal to major credit bureaus.
- Regulatory Confidence: Built-in compliance for FCRA, GLBA, ADA and electronic disclosure requirements.
- Flexible for Any Industry: Adaptable to automotive, fintech, retail, housing, or banking use cases.
- Global Accessibility: Serve a diverse customer base with 12-language support and ADA accessibility.
- Effortless Integration: Push and pull application data from your existing systems automatically.
Use Cases:
- Auto Dealers & Lenders: Streamline credit intake directly from digital showrooms or financing portals.
- Fintech & BNPL Platforms: Embed prequalification and ID verification into onboarding flows.
- Credit Unions & Banks: Modernize application portals with multilingual support and bureau-level security.
- Housing & Solar Providers: Accelerate funding approval while maintaining full compliance.
Integration & Workflow:
Agility Credit's RESTful API and hosted platform make it easy to deploy a branded, dynamic application experience in days, not months.
- Integrates with major platforms such as Salesforce, DealerTrack, RouteOne and MeridianLink.
- Automatically pushes leads and completed applications to third-party systems.
- Offers event-based callbacks and secure webhooks for real-time status updates.
Compliance & Security:
- SOC 2-Certified Infrastructure
- AES-256 Data Encryption (in transit & at rest)
- ADA & WCAG 2.1 Accessibility Standards
- FCRA, GLBA and E-SIGN Act Compliance
- Automated Delivery and Storage of Privacy Notices
- Electronic Audit Trails and Secure Document Retention
Get Started:
Deliver the credit experience modern consumers expect. Agility Credit's Digital Credit Application platform combines speed, flexibility and compliance — giving your business the tools to onboard customers smarter, faster and more securely.
