Hundreds of millions of consumers globally are underserved by traditional financial institutions. In Canada, the US and the UK alone there are approximately 90 million underserved consumers who struggle to access credit from traditional financial institutions.
We are changing that. At Propel, we’re building a new world of financial opportunity. A world where those who were once locked out, find themselves included.
1) Data based on all Propel operating brands during the period Nov 2025 - May 2026.
2) Average Credit Score based on FICO® credit score data provided by consumers
The consumers we serve are everyday people who may not have perfect credit histories. They may have had unexpected expenses pile up or be newer to a country with a limited credit history.
As a result, they’re locked out of the traditional financial system.
A new world of financial opportunity starts with a new way of looking at finances.
Traditional credit decisioning relies on a narrow set of inputs, often based on limited historical data. While that approach can work for prime consumers, it leaves many others behind.
Our AI-powered technology changes that by analyzing up to 5,000 data points on each applicant.
The result is our proprietary scoring system, designed to deliver a more accurate reflection of a customer’s financial health. Ultimately, bringing more consumers into the credit market.
At the same time, our technology, working alongside our risk team, continuously incorporates broader macroeconomic trends to provide additional context.
And with every application and repayment outcome, our models continue to improve. Backed by more than fifteen years of data, our AI platform is a key driver of Propel's credit performance and profitability.
As consumers continue to repay successfully, many may improve their credit profiles and, depending on the product, qualify for lower rates or better terms over time.
Our AI-powered technology is helping bring more consumers into the financial system while also driving profitable growth for Propel. We believe expanding financial opportunity and building a strong business go hand in hand.
Unique applications processed daily*
Automatic credit adjudication
Data points can be considered in each credit profile
*Trailing twelve months as of June 30, 2026. Unique applications exclude QuidMarket.
