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VulaCheckSA's Intelligent Lending Platform

Vula AI· Your intelligent credit analyst

Vula AI — an expert second opinion, before you lend

Vula AI reads the file the way a seasoned credit analyst would, and explains what it found in plain language. Your credit officer always makes the decision.

  • Spots documents made or edited in editing software, or changed after they were created
  • Compares the payslip with the salary actually paid into the bank
  • Reads the statement for debt cycling, gambling and bounced debit orders
  • Counts other lenders and debit orders, then explains its recommendation
Start free trialSee it at the masterclass (opens WhatsApp in a new tab)

Vula AI review

Demo data

T. Dlamini · R3 000 over 6 monthsDemo lender

Net salary paid in
R14 820
on the 25th
Loan debit orders
R4 960
7 a month
Debt-to-income
41%
of salary paid in
  • Payslip and bank: The net salary on the payslip doesn’t match the salary paid into the bank.
  • Document metadata: The bank statement PDF was produced by a document-creation tool — verify the source.
  • Account behaviour: Money was sent back out on the day it arrived, twice — a sign of debt cycling.
  • Recommendation: Refer for review. Verify the payslip with the employer and ask for the original bank statement before approving.
The decision stays with your credit officer.

What Vula AI checks

Four questions it answers on every review

Each one comes back as a score, the checks behind it — passed, worth a look or failed — and a short explanation.

  • 1. Are the documents genuine?

    It reads each PDF’s own record of the software that produced it and when it was changed — a bank statement made in a word processor, or edited after it was created, is flagged. It also checks the ID number against the date of birth and looks for visible signs of alteration.

  • 2. Do the documents agree?

    It compares the net salary on the payslip with the salary paid into the bank account, and checks that the name, ID number and employer agree across the ID, the payslip, the bank statement and the application.

  • 3. How does the account behave?

    Across up to three months of statements it looks for money sent straight back out on the day it arrives (debt cycling), gambling, unpaid debit-order fees and an account that keeps running close to empty.

  • 4. What else is owed?

    It lists the other lenders paid by debit order, works out the monthly obligations and the debt-to-income ratio, and explains its recommendation — approve, refer or decline — in plain language.

How it fits your process

You ask. Vula AI reports. Your credit officer decides.

  1. Step 1: Request a review

    From the application, once the documents are uploaded. You see how many Vula AI credits it will use before it runs.

  2. Step 2: Vula AI reports

    Four scores, the checks behind them, the flags it found and a recommendation — in plain language.

  3. Step 3: Your credit officer decides

    The review never approves or declines anything by itself. The decision, and the record of it, stay with your team.

What it costs

Uses Vula AI credits — every plan includes some each month, and you can buy more.

See Pricing

A sample review

Vula AI review

Demo data

T. Dlamini · R3 000 over 6 monthsDemo lender

Net salary paid in
R14 820
on the 25th
Loan debit orders
R4 960
7 a month
Debt-to-income
41%
of salary paid in
  • Payslip and bank: The net salary on the payslip doesn’t match the salary paid into the bank.
  • Document metadata: The bank statement PDF was produced by a document-creation tool — verify the source.
  • Account behaviour: Money was sent back out on the day it arrived, twice — a sign of debt cycling.
  • Recommendation: Refer for review. Verify the payslip with the employer and ask for the original bank statement before approving.
The decision stays with your credit officer.

Questions lenders ask

Does it decide for me?

No. Vula AI recommends approve, refer or decline and explains why, but a review never changes the application. Your credit officer makes the decision.

Which documents does it read?

The ID document, payslip and up to three months of bank statements uploaded to the application, together with the details on the application form.

Is borrower data shared outside VulaCheck?

To produce the review, the documents are analysed by our AI sub-processor, Anthropic, in the United States — as our privacy policy sets out. They are not sent anywhere else. Read the privacy policy