FAQ
Questions,
answered.
Everything you need to know about Fintology — pick a category to dive in.
Getting Started
Fintology is an AI-powered financial matching platform that connects consumers with the best lending products based on their unique financial profile. We analyze your credit, income, and financial goals to find personalized loan options from our network of trusted lenders.
Fintology is available to anyone in the United States who is at least 18 years old. Whether you have excellent credit, are building credit, or have faced financial challenges, our AI finds options tailored to your situation.
Simply create a free account, answer a few questions about your financial situation and goals, and our AI will analyze thousands of options to find the best matches for you. The entire process takes just a few minutes.
There is a one-time access fee that unlocks your portal, your credit analysis and your first application (your business may cover it for you), plus optional monthly plans for ongoing features. We never charge you for a lender's decision, and approval is always up to the lender.
No. When you use Fintology to explore your options, we perform a soft credit check that does not impact your credit score. A hard inquiry only occurs if you decide to formally apply with a lender.
AI Matching System
Our proprietary AI analyzes over 200 data points from your financial profile and compares them against thousands of lending products. It considers factors like interest rates, approval likelihood, loan terms, and your stated goals to rank the best options.
Matches are built from each lender's published criteria and your own credit report, and we choose the order to apply in so each application has the best chance. We continuously train our models on millions of data points to improve matching precision and ensure you see the most relevant options.
Yes! Each match includes a detailed breakdown explaining why that product is recommended for you, including key factors like estimated approval odds, interest rate range, and how it aligns with your financial goals.
Loans & Credit Products
Fintology matches you with personal loans, auto loans, home loans, business loans, credit cards, and debt consolidation options. Our network includes traditional banks, credit unions, online lenders, and specialized financial institutions.
Loan amounts vary by product and lender, ranging from $500 to over $500,000 depending on the loan type and your qualifications. Our AI filters options based on your stated needs.
Interest rates depend on your credit profile, loan type, and lender. Our platform shows you estimated rate ranges for each match so you can compare options before applying.
Many of our partner lenders offer instant pre-approval decisions. How long approval and funding take depends on each lender and product; your portal shows every application's status as it changes.
Account & Security
Sensitive details such as your Social Security number and date of birth are encrypted when stored, and every connection to the platform is secured. Your data is only shared with lenders you explicitly choose to apply with.
Yes. You can delete your account at any time from your account settings. To have your personal data deleted as well, contact our support team and we will take care of it.
Only you and the lenders you choose to apply with can see your information. We never sell your data to third parties or share it without your explicit consent.
Applications & Approvals
You don't fill in lender forms yourself: once your plan is ready, our application specialists apply to each matched lender on your behalf, in the best order, and your portal shows each result. The details you gave us are used for each application, so you don't re-type them.
Yes! You can apply to as many lenders as you like. We recommend comparing offers before making a final decision to ensure you get the best terms.
Requirements vary by lender, but typically include proof of identity, income verification, and bank statements. Each match shows estimated documentation requirements upfront.
Our AI learns from outcomes to improve future matches. If denied, we can suggest alternative products or steps to improve your approval chances next time.
Billing & Payments
There is a one-time access fee to unlock your portal (your business may cover it), and optional monthly plans. There is no charge for being approved, and every lending decision is the lender's.
No hidden fees from Fintology. Any fees associated with your loan (origination fees, etc.) are disclosed by the lender before you accept an offer.
Still have questions?
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