IncredibleFi — Personal Loan Marketplace
REMOTE · WWW.INCREDIBLEFI.COM · SCANNED SEP 27
AI-powered loan marketplace. Match users with 100+ lenders — any credit score or employment status.
Available components
How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. How we score → Why this is hard to score →
Endpoint Security63
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- Authorisation not fully verified: no authorisation is required to call this server, and 3 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe. See how to fix → View diagnostics → Unverified
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- The HSTS (Strict-Transport-Security) header is present. View diagnostics → Pass
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability30
- 0% of prompts and resources have a non-trivial description (not blank, and not just the item's name).Fail
- AI-judged instruction clarity (good).Pass
- Context-footprint check failed: tool/resource definitions use about 1978 tokens (~494/item across 4 items; 3 tools + 1 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management100
- No destabilizing schema changes in the last 30 days.Pass
Tool Coverage100
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 100% of tool parameters carry a description.Pass
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 3 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 4 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.Pass
How do I install the IncredibleFi — Personal Loan Marketplace MCP server?
IncredibleFi — Personal Loan Marketplace is a hosted endpoint at https://www.incrediblefi.com/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.
remote · www.incrediblefi.com
claude mcp add --transport http com-incrediblefi-loan-marketplace 'https://www.incrediblefi.com/mcp'
{
"mcpServers": {
"com-incrediblefi-loan-marketplace": {
"url": "https://www.incrediblefi.com/mcp"
}
}
} {
"servers": {
"com-incrediblefi-loan-marketplace": {
"type": "http",
"url": "https://www.incrediblefi.com/mcp"
}
}
} [mcp_servers.com-incrediblefi-loan-marketplace] url = "https://www.incrediblefi.com/mcp"
{
"$schema": "https://opencode.ai/config.json",
"mcp": {
"com-incrediblefi-loan-marketplace": {
"type": "remote",
"url": "https://www.incrediblefi.com/mcp",
"enabled": true
}
}
} openclaw mcp add com-incrediblefi-loan-marketplace --url 'https://www.incrediblefi.com/mcp' --transport streamable-http
mcp_servers:
com-incrediblefi-loan-marketplace:
url: "https://www.incrediblefi.com/mcp" {
"McpServers": {
"com-incrediblefi-loan-marketplace": {
"Transport": "http",
"Url": "https://www.incrediblefi.com/mcp"
}
}
} assistant mcp add com-incrediblefi-loan-marketplace -t streamable-http -u 'https://www.incrediblefi.com/mcp'
{
"mcpServers": {
"com-incrediblefi-loan-marketplace": {
"type": "http",
"url": "https://www.incrediblefi.com/mcp"
}
}
} The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 25 Sept 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 13 Sept 26 0
- Tool “submit_loan_application” rewrote its description, which is the text the model reads security
- 26 Aug 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 25 Aug 26 0
- Stability: 0.97 → pass security
- 11 Aug 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 31 Jul 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 30 Jul 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 27 Jul 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 27 Sept 2026 · Probed https://www.incrediblefi.com/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=incrediblefi.com | CN=WE1,O=Google Trust Services,C=US | 12 Aug 2026 | 10 Nov 2026 | ECDSA 256 | ECDSA-SHA256 | 51a627db0b9cb07c0e78f18cc0ab2d30 |
| SANs: incrediblefi.com, www.incrediblefi.com | ||||||
| CN=WE1,O=Google Trust Services,C=US (CA) | CN=GTS Root R4,O=Google Trust Services LLC,C=US | 13 Dec 2023 | 20 Feb 2029 | ECDSA 256 | ECDSA-SHA384 | 7ff31977972c224a76155d13b6d685e3 |
| CN=GTS Root R4,O=Google Trust Services LLC,C=US (CA) | CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE | 15 Nov 2023 | 28 Jan 2028 | ECDSA 384 | SHA256-RSA | 7fe530bf331343bedd821610493d8a1b |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of www.incrediblefi.com. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| com. | present | 19718 | 13 | Verified |
| incrediblefi.com. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
| Header | Value |
|---|---|
| strict-transport-security | max-age=63072000; includeSubDomains; preload |
| x-content-type-options | nosniff |
| referrer-policy | strict-origin-when-cross-origin |
| permissions-policy | camera=(), microphone=(), geolocation=() |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://www.incrediblefi.com/mcp | Verified | 200 | |
| http (plaintext) | http://www.incrediblefi.com/mcp | HTTPS enforced | 301 | https://www.incrediblefi.com/mcp |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
get_loan_application_fields ~43
Get the loan application form fields, their types, allowed values, and validation rules. Call this first to understand what information is needed to submit a loan application.
Input schema present but exposes no named parameters.
No output schema declared.
No examples provided.
submit_additional_information ~375
Submit additional information for a loan application that previously returned "additional_information_needed". Requires the application_reference token from that response.
| Name | Type | Req | Description |
|---|---|---|---|
| accountNumber | string | yes | Bank account number Your checking account number — found on a check or in your banking app. 4-25 digits. Used to deposit funds if matched. |
| application_reference | string | yes | Reference token from the previous submit_loan_application response |
| employerName | string | yes | Employer name Name of your current employer or business. For verification only — your employer will not be contacted. |
| employerPhone | string | yes | Employer phone number 10-digit phone number for your employer. For verification only — your employer will not be contacted. |
| hasDriverLicense | string | yes | Final identity check — one last step to see your offers. Natural language and synonyms are accepted. Options: Yes, No |
| licenseNumber | string | – | Driver's license number 4-25 alphanumeric characters as printed on your license. Required if you have a driver's license. |
| licenseState | string | – | State that issued your driver's license Two-letter state abbreviation (e.g. CA, TX). Required if you have a driver's license. |
| nextPayDate | string | yes | Your next pay date Format: YYYY-MM-DD. The date your next paycheck will be deposited. Must be today or within the next 31 days. |
| ownsVehicle | string | yes | Whether you own a car, truck, or other vehicle — and whether it is paid off or financed. Natural language and synonyms are accepted. Options: Yes - paid off, Yes - making payments, No |
| routingNumber | string | yes | Bank routing number 9-digit ABA routing number for your checking account — found at the bottom left of a check or in your banking app. Used to deposit funds if matched. |
No output schema declared.
No examples provided.
submit_loan_application ~1,556
CONSENT REQUIRED BEFORE CALLING THIS TOOL. Before submitting a loan application, you MUST display the following disclosure to the user verbatim and obtain their explicit agreement (e.g. they say "I agree", "I consent", or "Yes"). Do NOT call this tool until the user has explicitly agreed. DISCLOSURE: "By submitting this application, you: (1) consent to and agree with IncredibleFi's Terms of Service, Privacy Policy, Credit Authorization Agreement, E-Consent, Arbitration Notice, Advertiser Disclosure, and Personal Loan Notice; (2) certify that all information herein is true and complete; (3) provide written instructions under the Fair Credit Reporting Act for Acqscale, Inc. (IncredibleFi.com) and its Marketplace Partners with whom Acqscale, Inc. (IncredibleFi.com) connects you to obtain your consumer credit report from contracted Credit Bureau(s) associated with your pre-qualification for credit inquiry; (4) understand your information will be presented to a network of lenders and/or lending partners who will review and verify your information to determine if you may qualify for a loan, and that lenders and financial service providers may share your personal information including approval and funded status; and (5) provide express consent to recurring communication at the telephone number provided by Acqscale, Inc. (IncredibleFi.com) and its Marketplace Partners. Consent is not required to purchase any goods or services; and (6) understand that if you are not connected with a lender, your information may be shared with, and you may be contacted by, other financial service providers, debt relief providers, aggregators, and marketers offering products that are not loans, and that this consent to be contacted applies to them as well." Once the user has explicitly agreed, set tcpaConsent to true and submit the application. This tool always returns a URL for the user: either a direct lender match or curated loan options. May return "additional_information_needed" with e…
| Name | Type | Req | Description |
|---|---|---|---|
| city | string | yes | City City of your current mailing address. |
| creditScore | string | yes | All credit scores are welcome — including no credit history. This helps us match you with the right lenders. Checking does not impact your score. Natural language and synonyms are accepted (e.g. "fai… |
| dateOfBirth | string | yes | Date of birth Format: YYYY-MM-DD. Must be 18 or older. Required to verify your identity. |
| directDeposit | string | yes | Whether your income is automatically deposited into your bank account by your employer or benefits provider. Natural language and synonyms are accepted (e.g. "fair", "consolidate debt", "biweekly", "… |
| string | yes | Email address Your email address. Kept private and secure — used to send your loan match results. | |
| employmentStatus | string | yes | Choose what best applies. All employment types are accepted including benefits recipients and military. Natural language and synonyms are accepted (e.g. "fair", "consolidate debt", "biweekly", "4500"… |
| firstName | string | yes | First name Legal first name — required to verify your identity. 2-30 letters only. |
| hasCheckingAccount | string | yes | A checking account is typically required for loan deposit. Savings accounts do not qualify. Natural language and synonyms are accepted (e.g. "fair", "consolidate debt", "biweekly", "4500"). Options:… |
| homeOwnership | string | yes | Your current housing situation. Natural language and synonyms are accepted (e.g. "fair", "consolidate debt", "biweekly", "4500"). Options: Own, Rent |
| lastName | string | yes | Last name Legal last name — required to verify your identity. 2-30 letters only. |
| loanAmount | number | yes | Amount in US dollars between $100 and $40,000. We'll find the best options for you based on this amount. Minimum: $100 Maximum: $40000 |
| loanPurpose | string | yes | Choose the option that best describes the primary reason for the loan. Natural language and synonyms are accepted (e.g. "fair", "consolidate debt", "biweekly", "4500"). Options: Bills, Purchases, Loa… |
| monthlyIncome | string | yes | Your take-home pay after taxes, per month. An estimate is fine — this helps match you with lenders who fit your income level. Natural language and synonyms are accepted (e.g. "fair", "consolidate deb… |
| paymentFrequency | string | yes | Your pay schedule — how often income is deposited into your account. Natural language and synonyms are accepted (e.g. "fair", "consolidate debt", "biweekly", "4500"). Options: Monthly, Twice a month,… |
| phone | string | yes | Phone number 10-digit US mobile or home phone number. Cannot start with 0 or 1. |
| socialSecurityNumber | string | yes | Social Security Number 9-digit SSN with no dashes (e.g. 123456789). For identity verification only — does not impact your credit score. Transmitted with bank-level encryption. |
| state | string | yes | State Two-letter US state abbreviation (e.g. CA, TX, NY, FL). |
| streetAddress | string | yes | Street address Your current US mailing address — for verification only. Example: 123 Main St |
| tcpaConsent | boolean | yes | Set to true ONLY after you have displayed the full TCPA/consent disclosure to the user verbatim and the user has explicitly agreed (e.g. said "I agree" or "I consent"). Never set this to true without… |
| totalDebt | string | yes | Total outstanding unsecured debt (credit cards, personal loans, medical bills, etc.) — not including mortgage or auto loans. An estimate is fine. Natural language and synonyms are accepted (e.g. "fai… |
| zipCode | string | yes | ZIP code 5-digit US ZIP code for your mailing address. |
No output schema declared.
No examples provided.
What is the IncredibleFi — Personal Loan Marketplace MCP server?
IncredibleFi — Personal Loan Marketplace is an MCP server listed in the public MCP registry as com.incrediblefi/loan-marketplace. AI-powered loan marketplace. Match users with 100+ lenders, any credit score or employment status. This page covers its hosted endpoint (https://www.incrediblefi.com/mcp).
Is the IncredibleFi — Personal Loan Marketplace MCP server safe to use?
IncredibleFi — Personal Loan Marketplace scores 73 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.
What tools does the IncredibleFi — Personal Loan Marketplace MCP server expose?
IncredibleFi — Personal Loan Marketplace exposes 3 tools: get_loan_application_fields, submit_loan_application, submit_additional_information. Their descriptions and schemas cost roughly 1,974 tokens of context every time the server is loaded.
Does the IncredibleFi — Personal Loan Marketplace MCP server require authentication?
No. We connected to IncredibleFi — Personal Loan Marketplace without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the IncredibleFi — Personal Loan Marketplace MCP server still maintained?
IncredibleFi — Personal Loan Marketplace is still listed as active in the MCP registry. We last reached this channel on 27 September 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.