IncredibleFi — Personal Loan Marketplace MCP Server

by incrediblefi Your server? Claim it

answering

IncredibleFi — Personal Loan Marketplace is answering right now. Last checked 2 min ago. It exposes 3 tools.

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

Uptime history 52 days of history · worst day 95%

52 days agonow

98.9%

Uptime 24h

90 of 91 checks

Tools

read from the server

767 ms

Response time

average over 24h

open, no key

Access

streamable-http

What changed 1

Every tool that appeared, vanished or quietly changed what it asks for. Recorded since 13 September 2026. No other catalogue keeps this.

13 Sep a tool description was rewritten submit_loan_application

IncredibleFi — Personal Loan Marketplace does not always answer

Over the last week it answered 98.4% of our checks. We check every 15 minutes, so you hear about the next outage within the hour — not from your users.

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 2 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

claude mcp add loan-marketplace --transport http https://www.incrediblefi.com/mcp

~/Library/Application Support/Claude/claude_desktop_config.json

{
  "mcpServers": {
    "loan-marketplace": {
      "url": "https://www.incrediblefi.com/mcp"
    }
  }
}

~/.codex/config.toml

[mcp_servers.loan-marketplace]
url = "https://www.incrediblefi.com/mcp"

.cursor/mcp.json

{
  "mcpServers": {
    "loan-marketplace": {
      "url": "https://www.incrediblefi.com/mcp"
    }
  }
}

.vscode/mcp.json

{
  "mcpServers": {
    "loan-marketplace": {
      "url": "https://www.incrediblefi.com/mcp"
    }
  }
}

Available tools 3

Read directly from the server with tools/list, grouped by what they act on. If a tool disappears, we record the date.

submit

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 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.

loan

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.

Endpoints

URL	Transport	State	Latency	Checked
https://www.incrediblefi.com/mcp	streamable-http	answering	914 ms	2 min ago

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IncredibleFi — Personal Loan Marketplace — questions

Answers built from our own checks of this server.

What can IncredibleFi — Personal Loan Marketplace do?

It exposes 3 tools, read directly from the server on our last check. Among them: get_loan_application_fields, submit_additional_information, submit_loan_application. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README. How MCP servers expose tools in the first place →

Is IncredibleFi — Personal Loan Marketplace working right now?

We send a real MCP handshake every 15 minutes. Over the last 24 hours 90 of 91 checks got a reply (98.9%), average response time 767 ms. The bar chart above shows every period we have measured.

How do I connect IncredibleFi — Personal Loan Marketplace?

Copy the ready config from this page — we generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each with the file path that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.

Does IncredibleFi — Personal Loan Marketplace need an API key?

No. IncredibleFi — Personal Loan Marketplace completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 3 of them are readable on this page. This is what we observed, not what the docs claim.

How fast is IncredibleFi — Personal Loan Marketplace?

It answers our handshake in 767 ms on average, which is faster than 16% of all working MCP servers we measure. That is on the slow side — worth knowing if the tool sits inside an interactive loop. The comparison comes from our own checks across the whole registry, every 15 minutes.