# IncredibleFi — Personal Loan Marketplace (remote · www.incrediblefi.com) AI-powered loan marketplace. Match users with 100+ lenders — any credit score or employment status. - Trust score: 61/100 (medium) - Change this week: +7 - Registry status: active - Liveness: live - Owner verified: no - Last scored: 2026-08-03 ## Components - remote · `www.incrediblefi.com`: 61/100 (this document), [markdown](https://verifymcp.io/servers/com-incrediblefi-loan-marketplace/www.md), [page](https://verifymcp.io/servers/com-incrediblefi-loan-marketplace/www) ## Channel facts - Endpoint: `https://www.incrediblefi.com/mcp` - Transports: `streamable-http` - Auth: `none` - Version: `1.0.0` ## Trust breakdown 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. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog) Scored 2026-08-03. - **Endpoint Security**: 63/100 - The endpoint's TLS certificate is valid, in date, and uses a strong key. - 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. - HTTPS is enforced; there's no plaintext access path. - The HSTS (Strict-Transport-Security) header is present. - DNSSEC check failed: this domain isn't protected by DNSSEC. - **Transport & Reachability**: 100/100 - Verified streamable-http transport via a live MCP handshake. - **Schema Quality & AI Usability**: 32/100 - 0% of prompts and resources have a non-trivial description (not blank, and not just the item's name). - AI-judged instruction clarity (good). - Context-footprint check failed: tool/resource definitions use about 1915 tokens (~478/item across 4 items; 3 tools + 1 resources), over budget; trim descriptions and params. - Usage-examples check failed: none of the tools include examples. - **Stability & Change Management**: 27/100 - Stability observed for 8 of 30 days with no destabilising changes; credit accrues until the full window elapses. - **Tool Coverage**: 100/100 - 100% of tools have a non-trivial description (not blank, and not just the tool's name). - 100% of tool parameters carry a description. - **Capabilities**: 100/100 - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28. ## Install ### Claude ```bash claude mcp add --transport http com-incrediblefi-loan-marketplace https://www.incrediblefi.com/mcp ``` ### Codex ```toml [mcp_servers.com-incrediblefi-loan-marketplace] url = "https://www.incrediblefi.com/mcp" ``` ### opencode ```json { "$schema": "https://opencode.ai/config.json", "mcp": { "com-incrediblefi-loan-marketplace": { "type": "remote", "url": "https://www.incrediblefi.com/mcp", "enabled": true } } } ``` ### OpenClaw ```bash openclaw mcp add com-incrediblefi-loan-marketplace --url https://www.incrediblefi.com/mcp --transport streamable-http ``` ### Hermes ```yaml mcp_servers: com-incrediblefi-loan-marketplace: url: "https://www.incrediblefi.com/mcp" ``` ### Other ```json { "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. ## Changelog Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims. ### 2026-08-03 (score 61, +1) No change was recorded against any check on this day. Stability & Change Management went from 23 to 27. That category is still filling its 30-day observation window: 7 days of observed history at the previous scan, 8 at this one. The score rises as the window fills, whether or not the server changes. ### 2026-08-01 (score 60, +1) No change was recorded against any check on this day. Stability & Change Management went from 17 to 20. That category is still filling its 30-day observation window: 5 days of observed history at the previous scan, 6 at this one. The score rises as the window fills, whether or not the server changes. ### 2026-07-31 (score 59, +3) - [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server ### 2026-07-30 (score 56, 0) - [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server ### 2026-07-29 (score 56, +1) No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes. ### 2026-07-28 (score 55, +1) No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes. ### 2026-07-27 (score 54, 0) - [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server ### 2026-07-26 (score 54) First indexed and scored. ## MCP tools (3) ### `get_loan_application_fields` (~43 tokens) 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. ### `submit_loan_application` (~1493 tokens) 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 Marketing Partners. Consent is not required to purchase any goods or services." 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 extra fields to improve matching. Input parameters: - `city` (string, required): City City of your current mailing address. - `creditScore` (string, required): 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, required): Date of birth Format: YYYY-MM-DD. Must be 18 or older. Required to verify your identity. - `directDeposit` (string, required): 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", "… - `email` (string, required): Email address Your email address. Kept private and secure — used to send your loan match results. - `employmentStatus` (string, required): 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, required): First name Legal first name — required to verify your identity. 2-30 letters only. - `hasCheckingAccount` (string, required): 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, required): Your current housing situation. Natural language and synonyms are accepted (e.g. "fair", "consolidate debt", "biweekly", "4500"). Options: Own, Rent - `lastName` (string, required): Last name Legal last name — required to verify your identity. 2-30 letters only. - `loanAmount` (number, required): 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, required): 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, required): 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, required): 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, required): Phone number 10-digit US mobile or home phone number. Cannot start with 0 or 1. - `socialSecurityNumber` (string, required): 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, required): State Two-letter US state abbreviation (e.g. CA, TX, NY, FL). - `streetAddress` (string, required): Street address Your current US mailing address — for verification only. Example: 123 Main St - `tcpaConsent` (boolean, required): 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, required): 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, required): ZIP code 5-digit US ZIP code for your mailing address. ### `submit_additional_information` (~375 tokens) Submit additional information for a loan application that previously returned "additional_information_needed". Requires the application_reference token from that response. Input parameters: - `accountNumber` (string, required): 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, required): Reference token from the previous submit_loan_application response - `employerName` (string, required): Employer name Name of your current employer or business. For verification only — your employer will not be contacted. - `employerPhone` (string, required): Employer phone number 10-digit phone number for your employer. For verification only — your employer will not be contacted. - `hasDriverLicense` (string, required): 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, required): 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, required): 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, required): 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. ## Diagnostics Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-incrediblefi-loan-marketplace/www#diagnostics ## Score history - 2026-08-03: 61 - 2026-08-02: 60 - 2026-08-01: 60 - 2026-07-31: 59 - 2026-07-30: 56 - 2026-07-29: 56 - 2026-07-28: 55 - 2026-07-27: 54 - 2026-07-26: 54 ## Links - Remote endpoint: https://www.incrediblefi.com/mcp - Changelog RSS feed: https://verifymcp.io/servers/com-incrediblefi-loan-marketplace/www/changelog.xml - Changelog JSON feed: https://verifymcp.io/servers/com-incrediblefi-loan-marketplace/www/changelog.json - HTML version of this page: https://verifymcp.io/servers/com-incrediblefi-loan-marketplace/www