A responsible and effective approach to
unsecured consumer finance

ADF is a rapidly growing participant in a large and expanding market for loans to less-than-prime borrowers for whom we provide a superior product. ADF uses a proprietary methodology and advanced data science to make a more accurate assessment of a borrower’s true creditworthiness. ADF’s inaugural brand, Personify Financial, extends credit at responsible, risk-appropriate rates with a product that is fair, transparent, and easy to understand.

  • Sophisticated Credit Modeling
  • Optimal Loan Origination
  • Scalable Technology