Loans Priced By Intelligence
Our model reads 1,400+ signals to price your loan in a median of 94 seconds — and a licensed underwriter signs off on every big call. Smarter rates, human judgment.
1M+ AI decisions
median time to a yes: 94 seconds
AI Instant Estimate
8.99% APRThe model prices from 1,400+ signals — checking your rate never touches your credit score.
Instant AI Decisions
The model answers in a median of 94 seconds — day, night or Sunday.
Rates That Adapt
As your finances improve, the AI reprices your loan downward automatically.
Fraud Shield
Every application is screened against 1,400+ risk signals before funding.
Human Override
Big calls, edge cases and every decline get an underwriter’s sign-off.
How An AI Decision Actually Happens
Share The Basics
Five fields plus an optional read-only bank feed — no documents, no branch.
The Model Scores You
1,400+ signals priced in about 94 seconds, with bias checks on every single run.
A Human Signs Off
Underwriters review edge cases, every loan above $50k and every decline.
Funds Land Fast
Money the next banking day — then the AI coaches your payoff, month by month.
See Exactly How The Model Scores You
Your Lendora Score
Open dashboardWhat Moves It
Test a scenarioThe Model At Work This Week
A Person, Whenever You Want One
Hannah Reyes
Founder · chairs the model review board
Every decline gets a human second look, and you can request one on any decision — the AI never has the last word.
Ask For A Human ReviewLet The Model Run The Numbers
Drag the sliders — the AI prices the payment live and speaks up when a different term would serve you better.
- Priced live, like a real application
- AI suggestion for a smarter term
- No sign-up, no credit impact
Start The Conversation With The Model
Rates The Model Keeps Improving
AI Flex
Personal credit the model reprices as you improve.
$1,000 – $50,000 · 1–7 years
- Repriced monthly by the model
- Payoff coach included
- No early-exit penalty
Business Growth
Working capital scored on your live revenue feed.
$10,000 – $250,000 · 1–5 years
- Revenue-based AI underwriting
- Credit line grows with sales
- Named human advisor on call
Home Advantage
The model watches rates and locks yours at the dip.
$50,000 – $1.5M · 10–30 years
- AI rate-watch with auto-lock
- 90-day lock, valuation on us
- Fully digital closing
Approved By The Model, Backed By People
“The app said yes before my coffee went cold. Ninety-four seconds from submit to a rate I could actually sign.”
“I watched my rate drop twice while I house-hunted — the model repriced my lock without me asking for anything.”
“An algorithm approved me, then an underwriter called to make sure I was comfortable. That’s the right order.”
“The payoff coach nudged me to add $80 a month. I’ll be debt-free eleven months early because a robot noticed.”
Fair Questions About AI Lending
Straight answers about how the model works, what it reads and who keeps it honest.
Rather ask a person?
Call +1 202 555 0147 — Mon to Sat, 9:00–18:00
Ready For A Smarter Loan?
Give the model two minutes — a personalized rate, no credit impact, humans on call.