Lendbuzz

Lendbuzz is an AI-driven auto lender founded in 2015 that uses alternative data and machine learning to assess creditworthiness beyond traditional credit scores. The company provides car loans to borrowers without a US credit history, including international professionals, students and expats, and operates throughout the United States. It originates over $1.5 billion in auto loans annually and has helped tens of thousands of customers become car owners.

The firm's underwriting relies on proprietary AI and machine learning models drawing on alternative data sources, placing its technical work in the fields of credit risk modelling, machine learning and fintech. Alongside loan origination, Lendbuzz runs a dealership partner sales programme through which it finances customers who would otherwise be denied credit, opening additional sales opportunities for dealers.

Lendbuzz was founded after its founders were themselves excluded from credit. The company describes a focus on financial inclusion, fairness and broadening access to credit, with the aim of making financial opportunity more personalised and fair.