R-G Federal Credit Union Selects Scienaptic AI's LendSmart Auto to Power Deal-Level Vehicle Loan Pricing

NEW YORK - EntSun -- Scienaptic AI, a leading provider of AI-powered credit decisioning, announced today that R-G Federal Credit Union has selected LendSmart Auto, an AI-powered auto loan pricing engine, to transform how it prices vehicle loans for its members. The platform moves R-G FCU away from traditional rate-sheet pricing, which assigns the same rate to all loans within a risk tier, to a deal-level model that prices each loan based on the individual borrower, vehicle collateral, and real-time market conditions.

LendSmart Auto integrates vehicle data at the VIN level, enabling granular analysis of depreciation curves, regional resale demand, auction recovery projections, and loan-to-value exposure for every deal. The engine also incorporates R-G FCU's own target return on assets, factoring in deal and operations costs, to ensure that optimized pricing stays within the credit union's established financial parameters.

"Every member who comes to us for a vehicle loan deserves a rate that reflects their own situation, not just the tier they fall into," said Steve Deere, President and CEO of R-G Federal Credit Union. "LendSmart Auto lets us price each loan more precisely, based on the member's own profile and the vehicle they're buying, with greater transparency in how that rate is set. That means better value for our members and a stronger credit union to serve them for years to come."

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"For nearly seven decades, R-G Federal Credit Union has put its members and its Missouri communities first," said Courtney Mrsny, Chief Customer Officer at Scienaptic AI. "That member-first mission is what LendSmart Auto was built to support, helping credit unions offer vehicle loan pricing that reflects the people they serve. We're proud to work alongside R-G and excited to be part of the next chapter in their service to members."

About Scienaptic AI

Scienaptic AI was founded in 2014, built with the mission to drive financial inclusion at scale through AI-driven credit decisioning. The platform encapsulates a decade of technological innovation, integrating more data into decision-making, leveraging advanced machine learning algorithms, and supplementing them with rigorous risk and fair lending monitoring processes. This enables financial institutions to reach more borrowers- including underbanked and underserved individuals and say "Yes" more often without increasing risk. Scienaptic's latest innovation, iCUE (Intelligent Credit Underwriting Experience), integrates large language models and agentic AI into the credit decisioning platform, combining predictive intelligence with conversational capability to put humans back at the center of lending.

In September 2024, Scienaptic's Credit Union Service Organization (CUSO) received strategic equity investments from its clients, further strengthening its mission to elevate lending with AI- driven solutions for inclusive loan growth, automation, lifecycle management, and compliance. Today, the CUSO is backed by 17 strategic investors, underscoring Scienaptic's deep commitment to the core principle of 'people helping people'. The Scienaptic AI platform plays a vital role in supporting over 150 lenders by enhancing lending accuracy and efficiency.

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Scienaptic's credit decisioning expertise spans financial institutions collectively managing $4 trillion+ in assets. The platform has powered decisions for over $160 billion in loans. It processes over 3 million credit decisions each month, evaluating loan applications worth more than $4 billion. This enables over 1.7 million underserved individuals every month to access credit opportunities that were previously out of reach. Driven by the growing demand for AI in lending, the company has expanded by over 2,000% in the past three years.

Scienaptic has been recognized among the most innovative and fastest-growing companies in financial technology. The company was named to the Deloitte Technology Fast 500 list for 2025 and was included in the CB Insights Fintech 100 list of the most promising fintech companies shaping the future of financial services.

For more information, visit www.scienaptic.ai