Move more money, data and decisions
Welcome to the next-gen of financial technology, enabling all creators to build smart credit, banking, and compliant funding experiences.
Move more money, data, and decisions
Welcome to the next-gen of financial technology, enabling all creators to build smart credit, banking, and compliant funding experiences.
et al.Together, we're unlocking financial freedom for everyone
Built on putting our partners first to provide financial technology for everyone, everywhere.
Win your market with embedded finance
The path to financial inclusion with innovative credit building tools
GoFinFi is working with leading finance partners to address a pressing challenge in the U.S. financial system: Empowering the 26MM underbanked and credit invisible population with innovative credit-building tools.
Infrastructure for every
financial product
Deploy core API rails for credit, banking, and finance platforms in seconds — without assembling the full stack yourself.
Credit Rails
Launch full credit monitoring, builder, and reporting programs on a single rail.
Lending Portal Rails
Turn any funnel or checkout into a funding desk with instant soft pulls and qualification logic built in.
Banking Rails
Spin up neobank accounts, cards, and simple expense controls without rebuilding the ledger.
Identity Rails
Verify real customers and flag risky behavior with bank-grade identity and fraud checks.
Data Furnishing & Compliance
Run bureau relationships, audits, and data furnishing as if you had an in-house compliance team.
GoFinFi Developer Platform
Customize every part of the fintech stack and build unique experiences with GoFinFi's platform rails.
*Access to live data and furnishing subject to underwriting approval. A non-refundable underwriting fee is required for all applications submitted to GoFinFi.
Credit Rails
Launch full credit monitoring, builder, and reporting programs on a single rail.
Lending Portal Rails
Turn any funnel or checkout into a funding desk with instant soft pulls and qualification logic built in.
Banking Rails
Spin up neobank accounts, cards, and simple expense controls without rebuilding the ledger.
Identity Rails
Verify real customers and flag risky behavior with bank-grade identity and fraud checks.
Data Furnishing & Compliance
Run bureau relationships, audits, and data furnishing as if you had an in-house compliance team.
GoFinFi Developer Platform
Customize every part of the fintech stack and build unique experiences with GoFinFi's platform rails.
*Access to live data and furnishing subject to underwriting approval. A non-refundable underwriting fee is required for all applications submitted to GoFinFi.
Data furnishing1 reports tradeline data to all three credit bureaus which can help improve credit profile payment history, utilization, and account age.
1 Data furnishing services provided by PacificPlaceBank program, Pacific Place Financial Inc.
Partner with your preferred credit and data providers
Access credit-building & financial tools provided by trusted partners. Deploy in-demand, innovative products that get consumers results fast.
Want access to bank and bureau data?
We give you the (API) keys* to
unlock it all.
Focus your energy on dreaming up new experiences, not busy worrying about how to get the data or meeting regulatory compliance.
Private dashboard and funding portal
Deploy your own funding platform in minutes. Build a unique experience with an all-in-one platform, with multi-lender loan offers, credit builder tools, rent reporting and more.
Credit and cash flow data for underwriting
Access soft-pull decision results* and identity verification analytics, satisfy KYC, safe and secure onboarding, instantly surface pre-qualified offers for credit or loan products.
Compliance guidance
Friendly compliance guidance to make sure you meet FCRA consumer consent requirements and GLBA data security safeguards for consumer financial information.
Smarter Personal Loans
Provide your customers with real-time, personalized financial products and services from trusted partners. Ready to launch.
Offer smarter money experiences, win customer love and double revenue per customer.
Waterfall DecisioningMulti-Lender Waterfall
Turn one application into a stream of offers. Customers receive multiple prequalified offers* in real time.
*All rates, fees, and terms are subject to each provider's discretion and may not be available in all states or for all types of loans. This does not affect consumer credit scores. See footer for details.
Congratulations! You're prequalified.
Please review your options below.
[YOUR BRAND]
Welcome
ROMAN ROY
Available credit
$12,520
Reporting to Equifax,
Experian, and TransUnion
Dispute inaccuracies
We found 6 potential errors on your credit report. Dispute them for FREE.
Your privacy info is at risk
Your info was exposed 10 times. Remove it to protect from theft.
Credit Builder Loan
Double your credit building while beefing up your savings.
Bill Reporting
Boost your credit with the bills you're already paying!
Rent Reporting
Get credit for rent you already pay.
Offers for your Credit Journey
Open a Credit Building Loan
Add 12 more months of positive payment history while we save your payments for you to withdraw in full later.
Report Your Bill Payments
Boost your credit with the phone and utility bills you're already paying.
You have an account that may become a charge-off soon
Consider making a payment now or wait for a discount
DEPT OF ED
34 days overdue
$69,029
Transactions
Amazon Prime
Subscription • Today
-$14.99
Netflix
Personal • Yesterday
-$15.99
Spotify
Personal • Oct 28
-$9.99
Skool
Education • Oct 26
-$99.00
Hulu
Entertainment • Oct 25
-$7.99
Synchrony
Finance • Oct 24
-$124.50
DoorDash
Food • Oct 22
-$32.45
Credit Builder
Boost your score with these actions
Open a Credit Building Loan
Add 12 more months of positive payment history while we save your payments for you to withdraw in full later.
Report Your Bill Payments
Boost your credit with the phone and utility bills you're already paying.
You have an account that may become a charge-off soon
Consider making a payment now or wait for a discount
DEPT OF ED
34 days overdue
$69,029
Offer Marketplace
Our Most Suggested Offers
Based on your credit profile
Production-ready finance platform in minutes — not months.
Build a unique experience with all-in-one banking, with multi-lender loan offers, credit builder tools, rent reporting and more.
Offer your customers the smart financial tools they expect — right inside your product.
Ready-to-launch solutions, designed for your audience
Creators and developers alike are launching new niche software for their audiences with GoFinFi to offer smarter money experiences, make their product more complete, and increase customer lifetime value (LTV).
Who do you serve?
Businesses
Embed lending, credit, banking and expense management to deliver an all-in-one financial platform for your customers.
Independent Earners
Offer expense cards, instant payouts and wallets to freelancers and gig economy earners.
Consumers
Offer credit monitoring, credit building, money movement and more to grow engagement and revenue.