Here's exactly how we assess creditworthiness, price loans, and keep every dollar secure.
Old credit scores can be months out of date. ArcScore connects to your real bank data through Plaid and reads your actual financial behavior right now. A recent freelancer with solid income qualifies. Someone with a great old score but recent instability gets flagged fairly.
ArcScore updates every time you create a listing.
Cash Flow Consistency
Are your income deposits regular and predictable over 90 days?
Income Trend
Growing, stable, or declining? Upward trends help your score.
Overdraft History
Frequent overdrafts signal stress and lower your ArcScore.
Repayment Behavior
Your track record on previous ArcFi loans carries weight.
Your score places you in a tier that guides your loan terms. Higher score = lower rates and more lender competition.
801–1000
Outstanding cash flow and stability. Lowest rates, most lender interest.
601–800
Reliable income, low variance. Competitive rates available.
401–600
Generally stable with minor dips. Good rates still within reach.
201–400
Inconsistent income patterns. Higher rates, fewer lenders.
1–200
Significant instability detected. Limited listing eligibility.
Rates are indicative and reflect live market conditions.
Your credentials never leave Plaid
We connect read-only. Never see your username or password.
256-bit TLS encryption
All data encrypted end-to-end between your bank, Plaid, and ArcFi.
Read-only — we can't move your money
We read transactions to build your ArcScore. Nothing more.
Revoke access anytime
Disconnect your bank at any point outside of an active agreement.
Plaid is trusted by thousands of fintechs and over 12,000 financial institutions. Your data is yours — we never sell, share, or monetize it.
It emerges from real supply and demand between real people.
①
Higher score = lower minimum rate lenders must offer.
②
Multiple verified lenders bid. Competition drives your rate down.
③
See full breakdown — rate, term, monthly — before committing.