Borrow on your terms. Every loan carries a baseline APR ceiling — sharing your financial signals only ever lowers your rate, never raises it, and revoking costs you nothing.
A personal credit marketplace where sharing your financial signals only ever lowers your rate — never raises it. Browse loans and lines across every lender on Turtini, see exactly how much each signal you share knocks off your APR, and carry a creditworthiness credential you own from one lender to the next.
What's included
One marketplace of loans and lines across every lender on Turtini
See exactly how much each signal you share lowers your APR — live, before you commit
Baseline APR is a permanent ceiling; the ratchet only moves down toward the product floor
Revoke any shared signal and your rate returns to baseline — no surcharge, no re-underwriting
Lenders read an aggregated qualification view, never your raw bank stream — every read is logged on your side
Your creditworthiness is a Verified-by-Turtini credential you own and carry between lenders
Apply, accept, pay, and autopay from one page at /me/credit
About this module
Credit lives at /me/credit and turns borrowing inside out. Instead of a lender pulling a stale bureau file and handing you a take-it-or-leave-it rate, you browse a marketplace of real products — installment loans, lines of credit, pay-in-4 — across every lender on the platform, each showing its baseline APR, amount band, and term up front. When you apply, you choose which verified signals to share: steady cash flow, on-time payment history, verified income, low utilization, autopay. A live preview shows the rate you would actually get before you commit to anything.
The mechanic underneath is a one-way ratchet, the same rails Insurance runs on. At origination your loan locks in a baseline APR — a permanent ceiling that can never rise. Every signal you share moves your rate down toward the product floor, and that is the only direction it ever moves. Revoke a signal later and your rate simply returns toward baseline: no surcharge, no re-underwriting, no penalty for having shared in the first place. The signals are verified server-side, never self-asserted, and lenders only ever see an aggregated qualification view — never your raw bank stream — with every single read logged on your side where you can audit and export it.
And your standing is yours to keep. Each loan you originate issues a Verified-by-Turtini creditworthiness credential that you own, not a bureau's file on you. When you go to the next lender, you bring it with you — portable proof you are good for it, carried between lenders instead of locked in someone else's database. Apply, accept, pay, and set up autopay all from the same page; the loan, its current rate, and the signals driving it are always in front of you.
What you can do with it
Compare loans and lines across every lender on Turtini from one marketplace, baseline APRs shown up front
Share your cash-flow and on-time history to watch your offered APR drop live before you apply
Revoke a signal you no longer want to share and return to baseline with zero surcharge
Carry your creditworthiness credential to a new lender instead of starting from a fresh bureau pull
Set up autopay from a connected bank account and never miss a due date
Get this module
Free for all Turtini organizations.
Who it's for
- Anyone borrowing money who wants to control exactly what they share — and never be penalized for sharing
- People tired of opaque bureau scores who want to own and carry their own creditworthiness
- Borrowers who want every loan, rate, and shared signal visible and adjustable in one place
Details
- Category
- Finance
- Pricing
- Free
- Built by
- Badge
- Beta