# IncredibleFi — Personal Loan Marketplace

> AI-powered loan marketplace. Match users with 100+ lenders — any credit score or employment status.

- name: com.incrediblefi/loan-marketplace
- version: 1.0.0
- connection class: R0 (autonomous)
- trust: 69/100 flags: no-repository
- quality: 76/100 (good)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/com.incrediblefi%2Floan-marketplace
- tools: https://api.protogrid.dev/v1/servers/com.incrediblefi%2Floan-marketplace/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "loan-marketplace": {
      "type": "http",
      "url": "https://www.incrediblefi.com/mcp"
    }
  }
}
```


## Trust

- hygiene: 80
- liveness: 100
- freshness: 45
- provenance: 45
- drivers: +dns-namespace +reachable +uptime-100% -stale-216d -no-repository
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 76/100 (good)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-11-25; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
- n/a `protocol.stateless`: only applies to 2026-07-28 servers
- pass `protocol.transport`: streamable HTTP
- n/a `protocol.list_ttl`: only applies to 2026-07-28 servers

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 64 (weight 30)

- pass `tools.descriptions`: every tool has a description
- warn `tools.description_length`: 1 tools have descriptions over 1,024 characters, which crowds the context
- pass `tools.schemas`: every tool has an object input schema
- fail `tools.annotations`: no tool declares readOnlyHint or destructiveHint, so clients cannot tell safe calls from risky ones
- fail `tools.directory_hints`: no tool declares all four of readOnlyHint, destructiveHint, idempotentHint and openWorldHint; missing: get_loan_application_fields (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); submit_loan_application (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); submit_additional_information (readOnlyHint, destructiveHint, idempotentHint, openWorldHint)
- pass `tools.token_cost`: about 2,458 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump

### stability: 100 (weight 15)

- pass `stability.changes`: 1 tool changes in 30 days
- pass `stability.rug_pull`: no tool changed its meaning under the same name

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 3, about 2,458 tokens to load them all
- tool set hash: a764c4a4c9e1110964cf25586b34a30e
- tools last changed: 2026-10-17T21:49:11.459Z
- badge: [![protogrid quality](https://protogrid.dev/badge/com.incrediblefi/loan-marketplace.svg)](https://protogrid.dev/servers/com.incrediblefi/loan-marketplace)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

- 2026-10-17 `submit_loan_application` changed (description)
  - before: CONSENT REQUIRED BEFORE CALLING THIS TOOL. Before submitting a loan application, you MUST display the following disclosure to the user verbatim and obtain their explicit agreement (e.g. they say "I agree", "I consent", or "Yes"). Do NOT call this tool until the user has explicitly agreed. DISCLOSURE: "By submitting this application, you: (1) consent to and agree with IncredibleFi's Terms of Service, Privacy Policy, Credit Authorization Agreement, E-Consent, Arbitration Notice, Advertiser Disclosure, and Personal Loan Notice; (2) certify that all information herein is true and complete; (3) provide written instructions under the Fair Credit Reporting Act for Acqscale, Inc. (IncredibleFi.com) and its Marketplace Partners with whom Acqscale, Inc. (IncredibleFi.com) connects you to obtain your consumer credit report from contracted Credit Bureau(s) associated with your pre-qualification for credit inquiry; (4) understand your information will be presented to a network of lenders and/or lending partners who will review and verify your information to determine if you may qualify for a loan, and that lenders and financial service providers may share your personal information including approval and funded status; and (5) provide express consent to recurring communication at the telephone number provided by Acqscale, Inc. (IncredibleFi.com) and its Marketplace Partners. Consent is not required to purchase any goods or services; and (6) understand that if you are not connected with a lender, your information may be shared with, and you may be contacted by, other financial service providers, debt relief providers, aggregators, and marketers offering products that are not loans, and that this consent to be contacted applies to them as well." Once the user has explicitly agreed, set tcpaConsent to true and submit the application. This tool always returns a URL for the user: either a direct lender match or curated loan options. May return "additional_information_needed" with extra fields to improve matching.
  - after: CONSENT REQUIRED BEFORE CALLING THIS TOOL. Before submitting a loan application, you MUST display the following disclosure to the user verbatim and obtain their explicit agreement (e.g. they say "I agree", "I consent", or "Yes"). Do NOT call this tool until the user has explicitly agreed. DISCLOSURE: "By submitting this application, you: (1) consent to and agree with IncredibleFi's Terms of Service, Privacy Policy, Credit Authorization Agreement, E-Consent, Arbitration Notice, Advertiser Disclosure, and Personal Loan Notice; (2) certify that all information herein is true and complete; (3) provide written instructions under the Fair Credit Reporting Act for the Marketplace Partners with whom IncredibleFi.com connects you to obtain your consumer credit report from contracted Credit Bureau(s) associated with your pre-qualification for credit inquiry; (4) understand your information will be presented to a network of lenders and/or lending partners who will review and verify your information to determine if you may qualify for a loan, and that lenders and financial service providers may share your personal information including approval and funded status; and (5) provide express consent to recurring communication at the telephone number provided by Acqscale, Inc. (IncredibleFi.com) and its Marketplace Partners. Consent is not required to purchase any goods or services; and (6) understand that if you are not connected with a lender, your information may be shared with, and you may be contacted by, other financial service providers, debt relief providers, aggregators, and marketers offering products that are not loans, and that this consent to be contacted applies to them as well." Once the user has explicitly agreed, set tcpaConsent to true and submit the application. This tool always returns a URL for the user: either a direct lender match or curated loan options. May return "additional_information_needed" with extra fields to improve matching.

Full history: https://api.protogrid.dev/v1/servers/com.incrediblefi%2Floan-marketplace/changes

## Remotes

- https://www.incrediblefi.com/mcp (streamable-http, auth none, reachable true, uptime30d 1)

## Packages

_none_

## Tools (3)

- `get_loan_application_fields`: Get the loan application form fields, their types, allowed values, and validation rules. Call this first to understand what information is needed to submit a loan application.
- `submit_additional_information`: Submit additional information for a loan application that previously returned "additional_information_needed". Requires the application_reference token from that response.
- `submit_loan_application`: CONSENT REQUIRED BEFORE CALLING THIS TOOL. Before submitting a loan application, you MUST display the following disclosure to the user verbatim and obtain their explicit agreement (e.g. they say "I agree", "I consent", or "Yes"). Do NOT call this tool until the user has explicitly agreed.

DISCLOSURE:
"By submitting this application, you: (1) consent to and agree with IncredibleFi's Terms of Service, Privacy Policy, Credit Authorization Agreement, E-Consent, Arbitration Notice, Advertiser Disclosure, and Personal Loan Notice; (2) certify that all information herein is true and complete; (3) provide written instructions under the Fair Credit Reporting Act for the Marketplace Partners with whom IncredibleFi.com connects you to obtain your consumer credit report from contracted Credit Bureau(s) associated with your pre-qualification for credit inquiry; (4) understand your information will be presented to a network of lenders and/or lending partners who will review and verify your information to determine if you may qualify for a loan, and that lenders and financial service providers may share your personal information including approval and funded status; and (5) provide express consent to recurring communication at the telephone number provided by Acqscale, Inc. (IncredibleFi.com) and its Marketplace Partners. Consent is not required to purchase any goods or services; and (6) understand that if you are not connected with a lender, your information may be shared with, and you may be contacted by, other financial service providers, debt relief providers, aggregators, and marketers offering products that are not loans, and that this consent to be contacted applies to them as well."

Once the user has explicitly agreed, set tcpaConsent to true and submit the application. This tool always returns a URL for the user: either a direct lender match or curated loan options. May return "additional_information_needed" with extra fields to improve matching.