Purchasing credits for Borrower Insights

Enriching a loan to reveal borrower contact details uses credits, 1 credit per loan, charged only when contact is found. When you need more, Borrower Insights makes topping up quick, and shows you exactly the option that fits your account.

💡 You should buying in larger packs earns an automatic bulk discount.

What's in this article?

How credits work
Workspace credits vs. personal credits
Buying credits
Bulk discounts
Running out mid-enrichment
FAQs

How credits work

One credit reveals the borrower contact details for one loan. If a lookup finds nothing, that credit is refunded — so you only ever pay for results. Everything else on a result (interest rate, equity, home value) is free.

Workspace credits vs. personal credits

There are two pools your enrichments can draw from:

Workspace credits — shared by your whole team. The per-credit price is set by your workspace plan. Buying workspace credits requires the right permission (typically an admin or owner).
Personal credits — billed to your own card and used only by you. Handy when you want to keep enriching but don't manage workspace billing.

⭐ Buying workspace credits requires purchase permission — typically an admin or owner.

🧠 Not sure which you have? The purchase dialog always shows your current balance and the exact per-credit price before you buy.

Buying credits

When you need credits, let's open the purchase dialog — from the credit balance, or automatically when an enrichment needs more than you have.
Choose how many credits to buy. The dialog shows the per-credit price, any bulk discount, and your total.
Pick a saved card (or add one), then click to confirm. Credits land on your balance immediately, and any paused enrichment resumes.

💡 No card on file? Choose "Add payment method" to add one through the secure billing portal, then come back — the dialog re-opens with your pack still selected.

Bulk discounts

The more credits you buy at once, the lower the per-credit price. The discount is applied automatically and shown in the dialog ("X% bulk discount applied"), so the total you see is the total you pay.

Running out mid-enrichment

If you run low partway through a bulk enrichment, the run pauses and holds its place. Borrower Insights then shows the path that matches your situation:

Buy more credits — top up your workspace (admins) or personal balance.
Turn on personal spending — if you have personal credits but they're switched off, enable them just for yourself.
Raise your spending limit — if you've hit a monthly cap, lift it (no admin needed for your personal limit).

🧠 Once you've topped up, the run picks up exactly where it paused — no loans lost, no double charges.

FAQs

How much does a credit cost?

The exact per-credit price is shown in the purchase dialog. Workspace pricing follows your plan; personal credits are a flat rate. Larger packs get an automatic bulk discount.

Do credits expire?

No. Credits roll over and never expire.

Can I buy credits without being an admin?

Yes — you can buy personal credits on your own card. Workspace credits require purchase permission.

I hit my monthly spending limit — does buying more fix it?

Not on its own. A cap is a separate guardrail. Raise your spending limit (self-serve for your personal limit) to keep going.

What happens to my paused enrichment after I buy credits?

It resumes automatically from where it stopped. The loans already done stay done, and you're not charged twice.