MCMC Auto Goes Live with Scienaptic’s AI-Powered Credit Decisioning Platform, Strengthening its Lending Portfolio

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Scienaptic equips MCMC Auto to improve underwriting process and approve more loans to underserved buyers

Scienaptic, the world’s leading AI-powered credit decision platform provider, announced today MCMC Auto has deployed its solution, enabling MCMC Auto to expand its lending portfolio while making car financing options convenient and hassle free.

Through Scienaptic’s cloud-based SaaS implementation, MCMC Auto gains access to enhanced credit risk signals for every loan application, especially benefiting customers with little or less than perfect credit histories. These risk signals seamlessly integrate with MCMC Auto’s existing loan origination system, MagiLoop, allowing MCMC Auto to further streamline their loan decisioning processes and drive higher automation.

“It is often difficult to align across such great distances, and doing so remotely is an even greater challenge,” said Phillip Thomasson, Director of Finance and BDC, MCMC Auto. “Scienaptic’s team has been very supportive throughout the implementation process, and we look forward to utilizing the AI-powered credit decisioning platform to offer more customers the ability to responsibly purchase vehicles through enhanced decision-making capabilities.”

"Through this partnership, MCMC Auto now has the ability to leverage adaptive AI that enables a more streamlined, efficient loan decisioning process,” said Pankaj Jain, President, Scienaptic. “Our AI-driven credit underwriting platform is helping MCMC Auto to set the example in how auto lenders can improve their capacity to decision their applicants, translating to better finance management without increasing risk.”

About Scienaptic
Scienaptic is on a mission to increase credit availability by transforming technology used in credit decisioning. Over 150 years of credit experience is embedded in Scienaptic's AI native credit decision platform. Our clients across banks, credit unions, fintech, and other lenders use the platform to constantly improve the quality of underwriting decisions. This enables them to say ‘yes’ to borrowers more often and faster. For more information, visit

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