Power your financing decisions with ScoreAm APIs

Integrate real-time credit checks, automated approvals, and customizable financing workflows directly into your platform.

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From zero to live in minutes

The fastest way to integrate credit decisioning into your platform.

Available APIs

Comprehensive endpoints for every stage of the financing journey.

Open API Playground

POST/api/v1/eligibility/check

Eligibility Check

Instantly determine if a customer qualifies for a specific product based on their credit profile and income.

{
  "eligibility": "Eligible",
  "matchScore": 94,
  "recommendedAmount": 15000000
}

GET/api/v1/customers/:id/credit-profile

Credit Profile (Consent Required)

Retrieve a read-only snapshot of a customer's credit score, band, and payment history. Requires explicit customer consent.

{
  "creditScore": 720,
  "creditBand": "Good",
  "debtToIncomeRatio": 0.28
}

POST/api/v1/ai/match-score

AI Match Score

Get personalized product matching scores and actionable financial recommendations using our AI algorithm.

{
  "loanMatch": 88,
  "vehicleMatch": 95,
  "recommendations": [...]
}

POST/api/developer/webhooks

Webhooks

Subscribe to real-time events like application status changes, offer expirations, and credit profile updates.

{
  "event": "application.approved",
  "data": { "appId": "APP-123" }
}

Security & Consent First

We never expose raw bureau data. Partners only see the credit snapshot information that the customer explicitly authorizes them to see. All API requests are authenticated via secure, hashed API keys.

Customer-controlled data access
SHA-256 Hashed API Keys
Bank-level encryption in transit and at rest

Authorized

Requesting: CUS-99238

Credit Score710

Status"Good"

DTI Ratio0.28

Raw Bureau FileAccess Denied

ScoreAm Workflow Studio

Don't want to write code? Build complex financing workflows visually. Our drag-and-drop builder lets banks, dealerships, and retailers automate credit decisions in minutes.

Try the Integration Wizard