Oolka

Oolka is a Bangalore-based consumer fintech that helps people in India check, monitor, and improve their credit scores. Its mobile app provides free bureau-integrated credit-score checks (Experian), a Credit Builder for users with no prior credit history, EMI and bill payments with cashback via Bharat Bill Pay (the RBI-NPCI initiative), AI-guided insights on credit utilization and payment timing, and assistance disputing incorrect credit-report entries. Oolka operates as a co-branded financial-product partner working with banks and financial institutions. It is a consumer-facing mobile application and does not currently publish a public developer API or SDK surface.

Oolka is profiled on the APIs.io network. Tagged areas include Company, Fintech, Credit Score, Credit Building, and Consumer Finance.

Oolka’s developer surface includes engineering blog, support, and 4 more developer resources.

🌐 Visit website 📡 Source on GitHub

12.3/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyFintechCredit ScoreCredit BuildingConsumer FinancePersonal FinanceIndia

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 12.3/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 1.3 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 0.0 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/oolka: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: oolka
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/oolka.png
name: Oolka
description: Oolka is a Bangalore-based consumer fintech that helps people in India check, monitor, and improve their credit
  scores. Its mobile app provides free bureau-integrated credit-score checks (Experian), a Credit Builder for users with no
  prior credit history, EMI and bill payments with cashback via Bharat Bill Pay (the RBI-NPCI initiative), AI-guided insights
  on credit utilization and payment timing, and assistance disputing incorrect credit-report entries. Oolka operates as a
  co-branded financial-product partner working with banks and financial institutions. It is a consumer-facing mobile application
  and does not currently publish a public developer API or SDK surface.
url: https://raw.githubusercontent.com/api-evangelist/oolka/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- accel
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Fintech
- Credit Score
- Credit Building
- Consumer Finance
- Personal Finance
- India
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/oolka-domain-security.yml
- type: Website
  url: https://oolka.in/
- type: Blog
  url: https://oolka.in/blog
- type: Support
  url: https://oolka.in/contact-us
- type: TermsOfService
  url: https://oolka.in/terms-conditions
- type: PrivacyPolicy
  url: https://oolka.in/app-privacy-policy
x-enrichment:
  date: '2026-07-20'
  status: minimal
  artifacts_added: 1
  pass: local-v1