API pricing that scales with your volume

A decision call is any request to POST /v1/decision that returns a scored response — whether the decision is APPROVED, REVIEW, or DECLINED. Sandbox calls during development and testing are not counted against your production decision quota. Calls that return an error (malformed request, invalid token) are also not counted.

Raw transaction records are processed in memory and not retained after feature extraction. The derived decision record (score, decision, factors — no PII) is stored for 90 days to support dispute resolution and regulatory audit requests, then permanently deleted. Lendiro does not build applicant profiles. Each decision request is processed independently.

Explorer has no commitment — free tier, cancel or upgrade at any time. Growth is billed monthly; there is no annual commitment required. You can cancel Growth before your next billing date without penalty. Scale tier contracts are typically 12 months with volume minimums negotiated case-by-case.

Growth includes a 99.5% monthly uptime SLA measured on the POST /v1/decision endpoint. Downtime below the SLA threshold is credited at 10% of monthly bill per percentage point. The Explorer tier is offered on a best-effort basis without a formal SLA commitment. Scale tier SLAs go up to 99.9% — terms negotiated per contract.

If you're processing more than 100,000 decisions per month or anticipate reaching that volume within 6 months, contact us at [email protected] to discuss a Scale contract. Custom pricing is based on committed monthly volume, with rates significantly below the Growth per-decision overage rate. Most Scale contracts also include model calibration to your specific portfolio and dedicated integration support.