# Automated Credit Decision API: Loan Eligibility | FastKYC

> Automate credit assessment and loan eligibility decisions using an applicant's financial, employment and credit data, in one call from your lending flow.

Source: https://www.fastkyc.com/apis/automated-credit-decision/

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[Finance APIs](/apis/finance/)

# Automated Credit Decision API

Automate credit assessment and loan eligibility decisions using an applicant's financial, employment and credit data, in one call from your lending flow.

[Book a Demo](/book-demo/)

Category

[Finance APIs](/apis/finance/)

## What the Automated Credit Decision API does

Automated Credit Decision assesses an applicant and returns a loan eligibility decision, using their financial, employment and credit data.

It brings the signals a credit team weighs into one automated step, so straightforward applications can be decided in the flow and only the edge cases need a person.

## Where teams use the Automated Credit Decision API

1.  Instant eligibility checks in a digital lending journey
    
2.  Pre-screening applicants before full underwriting
    
3.  Applying consistent credit rules across a large application volume
    

## Frequently Asked Questions (FAQs)

What data does it use?

The applicant's financial, employment and credit data.

What does it return?

A credit assessment and a loan eligibility decision.

## Start verifying with the Automated Credit Decision API

Book a walkthrough and we will show the call, the response and how it fits your onboarding flow.

[Book a Demo](/book-demo/) [Browse All APIs](/apis/)

-   One API key for every check
-   Verified against official Indian records
-   Built for onboarding at scale