Personal Loans
Unsecured personal loans with a prequalification answer in seconds. Transparent terms, no hidden fees, and a decision that explains itself.
Consumer & home lending · Est. 1991
Thirty years of lending precision. A prequal answer in seconds.
Check whether you prequalify without touching your credit score. The same governed decision engine that has underwritten every Silver Lake loan since 1991 — now reachable in seconds, with an audit trail kept in perpetuity.
- No impact to your credit score
- Answer in under 6 seconds
- Every decision on the record
Check your rate
Try a sample applicant on a $10,000 request.
Choose an applicant
LoanIQ rule · preview
Computed in your browser. No application is submitted and no personal data is collected.
34+Years in operation
$2.4BConsumer loans originated
48States served
<6sPrequal decision time
Consumer lending
What we offer
Every product is decided by the same rule on the same system of record, so the answer you get explains itself.
Debt Consolidation
Single-payment consolidation for qualified borrowers. Our rule evaluates the full picture — obligations, tenure, payment history — not just a score.
Bridge Credit
Short-term access for qualified customers who need a fast, honest answer. Same decisioning rule, same audit trail, no compromise on standards.
Home Loans New
Agents coordinate the dozen parties in a mortgage so you're not the courier. People own every decision that matters, and the credit decision stays on the same system of record.
Marketplace New
Shop our partner store yourself or send your AI agent, with a key and a limit you set. Financing is decided by the same LoanIQ rule, only you see the terms, and nothing is accepted until you approve it. The store runs live in test mode.
How it works
From first look to a decision you can trust
Check your rate
A prequalification binds no one. It's a soft, honest first look that doesn't touch your credit score.
See the reason, not just the result
Our rule returns approved, declined or refer, with the reason it reached that answer. The same logic applies to every applicant.
A named person signs off
Anything that binds you or moves money stays with a named person at Silver Lake, and every step is written to one record.
How LoanIQ decides
Two front doors. One governed border.
A prequalification request reaches LoanIQ two ways — a person at our site, or an agent acting on their behalf. Both cross the same border: identity, scope, decision, audit. The answer is the same; only the door differs.
Deterministic
A rule, not a guess
The decision is the same RPG rule applied identically to every applicant — utilization, tenure, delinquency, against limit — returning APPROVED / DECLINED / REFER. Explainable and testable, not a model's opinion.
Append-only
Every decision, on the record
Each decision is written once to an append-only ledger with a correlation id — who or which agent asked, what was decided, on what inputs. Nothing is overwritten; a reversal is a new, audited entry.
Governed by the platform
The OS is the gate
An agent never sees a table or writes SQL — it calls one scoped procedure behind IBM i object authority. Least privilege is enforced by the system, not promised by the application.
Reversible first
Where mistakes are free
Prequalification binds no one — the lightest, most reversible step. It's where an agent earns trust before anything that carries weight, and it carries the lightest regulatory load while the trail is proven. See the step that carries weight: home loans
Home lending · New
A dozen people touch a home loan. You shouldn't carry the file.
The same governed border, extended from prequal to keys. Five scoped agents coordinate documents, verifications, appraisal, title and insurance. Four decisions stay with named people. Every step lands on one append-only ledger.
- Gate 1Rate lockYou, with your loan officer
- Gate 2Credit decisionA named underwriter, on IBM i
- Gate 3Final termsYou
- Gate 4Money movesFunding desk, by verified callback
Agents coordinate. People decide. No agent approves credit or moves money.
Our foundation
Built on infrastructure that never blinks.
Silver Lake Financial Group was founded in 1991 on a simple thesis: consumer lending decisions should be fast, fair, and fully auditable. We built our core platform on IBM i — a system designed for exactly that kind of reliability.
In three decades that platform has processed over two million applications without a single unplanned outage. The institutional knowledge embedded in it — policy logic, decisioning rules, payment-history patterns — is an asset most lenders can't replicate.
LoanIQ is what happens when you give that asset a governed agent interface — without rewriting a line of it.
“The question was never whether to modernize. It was whether to preserve what made us right for three decades running.”
Infrastructure posture
- Core platform
- IBM i 7.5 · PowerVS
- Uptime · 34 years
- 99.999%
- Agent layer
- LoanIQ · Governed
- Decision ledger
- Append-only · Every decision
How we work
One record. Agents at the doors. People at the gates.
We're a lender of about 200 people. Agents now do much of our finding, chasing and paperwork. Our own rule, on our own system of record, still makes every credit decision, and every decision that binds a customer or moves money stays with a named person. Whatever happens, and whoever does it, is written once to the same record.
| Function | Status | Agents do | A person decides |
|---|---|---|---|
| Front door | Live | Admit agents with a key, take applications | Which agent partners get in |
| Decision | Live | Run our rule, record the result | Every referred application |
| Checkout | Live · test mode | Offer financing at a partner store's checkout | The shopper accepts the terms |
| Compliance | Partly live | Watch the record, prepare decline notices | Policy, and every finding |
| Growth | Partly live | Publish what agents can do here, in our capability manifest | Which partners and channels to open |
| Home loans | Illustrated | Documents, conditions, the timeline | Rate lock, underwriting, closing |
| Servicing | Illustrated | Stage funding, send reminders | Releasing every dollar |
| Care | Illustrated | Early outreach, hardship plans | Every loan modification |
No agent approves credit, accepts terms for a customer or moves money. Silver Lake Financial Group is a fictitious company: functions marked live run in demonstration, with nothing really lent and no real money moving; functions marked illustrated are shown, not running.
LoanIQ platform · for partners & technologists
The platform that already knew.
LoanIQ is the governed agent interface to Silver Lake's IBM i decision engine. It doesn't replicate our logic — it calls it directly, via the same RPG service program that has underwritten every loan we've originated since 1991.
- Deterministic agent path — every request crosses the same governed border: identity, scope, decision, audit
- Append-only decision ledger captures every agent step, every decision, every procedure call, under one correlation id
- The IBM i is invisible to the applicant, fully visible to the auditor
The governed operator dashboard isn't public. Partners reach it from inside the Pegasus4i portal, which gates access to each client workspace.
Run an IBM i shop? Take the Agent-Ready Read — eight questions on how agent-ready your IBM i really is, no strings →
- Applicant
- Participant #1042
- Requested
- $10,000
- Utilization
- 7.5%
- Tenure
- 36 months
- Days past due
- 0
- Decision
- APPROVED · Tier A · PRIME
→ resolve_participant(1042) · identity verified → prequal_check(...) → SP_ELIGCHK · APPROVED tier A / PRIME → governed MCP tool · IBM i 7.5 · scoped profile → decision ledger written · append-only · LOG-1042 → decision returned · correlation id threaded
Common questions
Clear answers, on the record.
Does prequalifying affect my credit score?
No. A prequalification is a soft, non-binding first look and does not affect your credit score.
How does Silver Lake make a prequalification decision?
A deterministic rule on IBM i evaluates utilization, tenure, and delinquency against the credit limit and returns approved, declined, or refer — the same logic applied identically to every applicant.
Is every decision auditable?
Yes. Every decision is written once to an append-only ledger with a correlation id — who or which agent asked, what was decided, on what inputs. Nothing is overwritten; a reversal is a new, audited entry.
Can an AI agent prequalify on my behalf?
Yes. A verified agent crosses the same governed border a person does: it proves its identity (Know Your Agent), is scoped to prequalification only, and its request is logged like any other. An unverified agent is refused at the door.
What is LoanIQ?
LoanIQ is Silver Lake's governed agent interface to its IBM i decision engine. It calls the same rule that has underwritten every Silver Lake loan since 1991, and writes every decision to an append-only ledger.
What is a governed agent crossing?
Every request — human or agent — crosses one border: identity, scope, decision, audit. The agent never sees a table or writes SQL; it calls one scoped procedure behind the platform's object authority.
Does Silver Lake use agents on home loans?
Yes, for coordination. Scoped agents gather and verify documents and work with appraisers, title, insurers and employers. People own the four decisions that matter: the rate lock, the credit decision, the final disclosure, and the release of funds. Walk through a loan
Who makes the credit decision on a mortgage?
A named Silver Lake underwriter, recorded under their own identity on the IBM i system of record. No agent holds approval authority at any loan size.
Agents welcome · capability manifest · Know Your Agent
See where you stand in seconds.
A soft, non-binding first look. No impact to your credit score.