Our Scorecard

A unique approach that delivers results for customer and retailer

The Startline scorecard is what separates us from other motor finance providers. Prime lenders have often rejected the car buyers who come to us because they didn’t tick certain boxes on their own scorecard. To assess those applicants for credit, we have created a proprietary solution that we have no hesitation in claiming is market-leading.

Developed over several years and millions of proposals, our approach identifies those people who remain good customers in a changing world where work and home ownership patterns are rapidly changing. The result is a scorecard that is highly predictive of the credit outcome, coupled with a team of skilled underwriters, allowing us to offer sensible rates and terms providing good customer outcomes and monthly payments similar to those offered by prime lenders.

Why Startline?

Proprietary scorecard developed by Startline’s own credit experts over many years to maximise flexible lending outcomes

A high level of sophistication, using both highly evolved technology and subtle human interaction to deliver excellent outcomes

Shows expertise in delivery of flexible lending, balancing underwriting requirements and the need to make fast decisions

Designed to reflect changing car buyer behaviour at a time when fewer consumers fit traditional prime lender profiles

Evidence over several years shows the accuracy of the scorecard is high, with strong results compared to the market