Simplify Credit Checks. Approve Smarter, Faster.

Smile Checks – Auto Financing helps lenders and underwriters verify borrower identity, income, and background — without paperwork overload. You only need to endorse the contact details of the borrower. We’ll take care of the rest: gathering documents and reaching out to references.

It’s your plug-and-play solution for streamlining credit checks — especially for gig workers, self-employed, or thin-file applicants.

Book a Demo
A smartphone displaying a credit application form, with stacks of coins and a wallet nearby, and a thumbs-up gesture with a green checkmark, symbolizing simplified and efficient credit checks for auto financing.

What's Included?

✔️ ID & Document Compilation

Smile collects and compiles:


  • Government-issued ID (e.g., National ID, Passport)
  • Proof of income (e.g., payslip, certificate of employment, remittance records)
  • Supporting documents (e.g., utility bill, tax certificate, employment contract — if available)

Delivered in one clean, verified PDF or secure link — no follow-up needed from your team.

✔️Reference Check (Up to 3 contacts)

Smile will contact up to 3 borrower-provided references — guarantors, employers, or personal contacts — to confirm:


  • Relationship to the applicant
  • Reliability and financial stability
  • Trustworthiness and red flags

You’ll receive a summary report with tone indicators (positive / neutral / caution) and reference remarks (if permitted).

Two cartoon figures, one in a suit sitting at a desk with a laptop and another standing behind him holding a large magnifying glass over the desk, representing the detailed assessment and validation of loan applicants.

Who is this for?

  • Credit risk teams handling high-volume or non-standard loan applications
  • Underwriters assessing applicants with missing or unverifiable documents
  • Financing agents seeking fast borrower validation
  • Auto lending apps or platforms that need a flexible, manual-free process

How It Works

Step 1: Send us the borrower’s name and contact details

Step 2: Smile handles all follow-up, document gathering, and reference checks

Step 3: Receive a complete verification report within 1–3 business days

The check runs automatically. Once finished, the results are automatically sent to you.

Diagram showing the three steps of the background check process: A laptop screen with checkmarks, a smartphone with a wallet and checkmark, and an open envelope with a document, indicating endorsing contact details, paying online, and receiving a report.

Join Our Early Access Program!

Smile Checks handles the messy part of borrower screening — so your team can focus on approvals.

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$ 100

ONE-TIME ACCOUNT SETUP FEE

Dedicated support

Fast turnaround time

Reporting optimized for underwriting teams