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      Loan API

      Streamline affordability checks

      Loan API helps to grow your lending business by improving the speed and accuracy of credit decisions with our real-time categorisation of income and expenditure

      Look Who’s Charging’s Loan API is currently in the process of being integrated with Experian’s Affordability offering. This affordability offering will also offer the ability to access customer data via OCR and, in due course, via Open Banking


      Categorise transactions


      Verify income and expenses


      Identify transactions of concern

      How it works

      Consumer bank statements

      Look Who’s Charging search engine

      Meaningful and highly accurate expense classification

      Expense Summary

      Categorise expenditure with up to 300 customisable sub-categories for refined spend data analytics, including the ability to analyse discretionary vs non-discretionary spend.

      Identify Income

      Distinguish between income transactions and identify the employer behind salary payments.

      Income Summary

      Total last 6 months


      Total last 12 months


      Total Recurring Income


      Average Monthly Income



      Our tags are an additional field separate from our categories. They enable you to highlight key transactions of interest/ concern.

      For more information,
      get in touch below