# Gain Credit

**Canonical:** https://apis.io/providers/gain-credit/  
**Website:** https://gaincredit.com/  
**APIs profiled:** 0

GAIN Credit is a market-leading fintech providing responsible, AI-powered credit solutions for people underserved by traditional banks and lenders. The company combines deep financial expertise with advanced, AI-enabled credit-decisioning technology to offer affordable consumer lending, with funds disbursed within roughly 90 seconds of approval. GAIN Credit operates three consumer lending brands — Lending Stream, Drafty, and Afforda — serving the underserved credit market primarily in the UK, with operations across the US and India. Backed by QED Investors, Crosslink Capital, and Mohr Davidow. This corporate profile publishes no public developer API surface; it was surfaced as a QED Investors portfolio company and enriched by the API Evangelist pipeline.

## Kin Score — 6.2 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 6.2).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 2.4 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Gain Credit Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Credit, Lending, Fintech, Financial-Services, Consumer Finance, Financial Inclusion

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/gain-credit/). Scores are computed from the provider's own public artifacts under a published rubric.