Every plan includes a monthly credit allowance that refreshes each billing cycle. Need more? Buy one-time credit packs on demand. Credits cover CreditDecide orchestration — fetching, normalizing, and reconciling your data so you can underwrite with confidence.
1,000 free credits on signup — no card required. Run a full underwriting decision end-to-end before you ever pay.
For small lenders getting started.
For growing lending teams.
For high-volume lenders.
All plans include access to all markets worldwide — any country, any currency, with configurable policies and data sources per market. Subscribe from Settings → Billing & Subscription. Cancel anytime — your plan stays active until the end of the current period.
We offer purchasing-power-adjusted pricing in local currency for lenders across Africa — including Nigeria, Ghana, Kenya, South Africa, Egypt, Rwanda, Uganda, Morocco and more. If you're based anywhere in Africa, your discounted local-currency rates are applied automatically.
Standard USD pricing shown above applies to your location. African lenders get discounted local-currency rates automatically when we detect you're in an African market.
Need extra capacity beyond your monthly allowance? Buy credit packs anytime — they never expire and stack on top of your subscription.
Packs are available from Settings → Billing & Subscription in your workspace.
Every billable action has a fixed credit cost. A full underwriting decision is roughly 160 credits — transparent and predictable. Credits cover CreditDecide processing; your data provider fees are billed directly to your own credentials.
| Action | Credits |
|---|---|
| Credit report pull | 50 |
| Bank statement pull | 40 |
| Document processing | 15 |
| AI analysis | 30 |
| Underwriting decision | 20 |
| Report export | 5 |
| Reads (retrieve) | Free |
Example: a full decision (credit pull + bank pull + doc processing + analysis + decision + export) ≈ 160 credits. On Growth that's about $0.64/decision in CreditDecide credits. Bureau and open-banking provider fees are billed separately to your own API credentials.
Subscribe to Starter, Growth, or Scale for a monthly credit allowance that refreshes each cycle.
Every billable action — data pull, analysis, decision — consumes a fixed number of credits from your balance.
Need more capacity? Buy one-time credit packs from your workspace — they never expire and stack on your subscription.
Yes — every new account gets 1,000 free credits on signup, no card required. That's enough to run roughly six full underwriting decisions end-to-end (credit pull, bank pull, document processing, AI analysis, decision, and export). Use them to explore the platform before subscribing.
Each plan includes a monthly credit allowance — Starter (20,000), Growth (100,000), Scale (300,000) — that refreshes every billing cycle. All plans include access to all markets worldwide — any country, any currency — with data sources, AI analysis, policy decisions, and exports.
Credit report pull (50 credits), bank statement pull (40), document processing (15 per document), AI analysis (30), underwriting decision (20), and report exports (5 per PDF, CSV, or Word). Retrieving (reading) applications, profiles, and decisions is always free.
A complete decision — credit pull (50), bank pull (40), document processing (15), analysis (30), the underwriting decision (20), and a report export (5) — is 160 credits. On Growth that's about $0.64 per decision in CreditDecide credits, well below the cost of pulling the raw data separately.
No. Both your subscription credits and any one-time pack credits carry over until consumed.
No. Credits cover CreditDecide orchestration — fetching, normalizing, and reconciling the data. The underlying bureau and open-banking provider fees are billed directly to your own API credentials, which you enter during setup. You can also upload documents manually at a lower credit cost.
Yes. Subscribe, switch, or cancel anytime from Settings → Billing & Subscription. Cancellation keeps your plan active until the end of the current billing period.
Buy a one-time credit pack from your workspace to top up instantly — no need to wait for the next cycle or upgrade your plan.