SmartCredit+ MCP

An official Model Context Protocol server by SmartCredit+ that allows AI assistants to perform mortgage calculations, debt capacity analysis, and prescoring. It provides tools for simulating monthly payments, comparing bank offers, and generating PDF viability reports without requiring user registration or storing personal data.

Endpoint and access

No sign-in: your client connects and lists tools immediately, with no account or key.

No sign-inEndpoint checked 2026-10-18Operated by SmartCredit+

MCP endpoint (Streamable HTTP)

https://mcp.scplus.es/mcp

Vendor documentation

What you can do with it

Calculate monthly mortgage payments for fixed, variable, or mixed rates
Assess debt capacity based on net income and existing debts
Generate a prescoring report with a score from 0 to 100
Compare bank mortgage offers to find the best TIN with maximum bonuses

Tools advertised by the last live check:

gateway_estado
mortgage_calcular_cuota
mortgage_calcular_capacidad
mortgage_calcular_gastos_compraventa
mortgage_simular_primera_vivienda
mortgage_calcular_amortizacion_anticipada
mortgage_calcular_cambio_hipoteca
mortgage_evaluar_viabilidad
mortgage_prescoring_perfil
mortgage_generar_informe
mortgage_solicitar_estudio
banking_buscar_ofertas
banking_catalogo_publico

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers a Streamable HTTP server. Use --scope project to write .mcp.json for the repo.

Claude Code configuration

claude mcp add --transport http smartcredit-mcp https://mcp.scplus.es/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).

Codex configuration

codex mcp add smartcredit-mcp --url https://mcp.scplus.es/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable smartcredit-mcp in your MCP settings.

Cursor configuration

{
  "mcpServers": {
    "smartcredit-mcp": {
      "url": "https://mcp.scplus.es/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure). The type must be streamableHttp for a remote HTTP server.

Cline configuration

{
  "mcpServers": {
    "smartcredit-mcp": {
      "type": "streamableHttp",
      "url": "https://mcp.scplus.es/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start smartcredit-mcp and inspect its tools.

VS Code configuration

{
  "servers": {
    "smartcredit-mcp": {
      "type": "http",
      "url": "https://mcp.scplus.es/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.

Gemini CLI configuration

gemini mcp add --transport http smartcredit-mcp https://mcp.scplus.es/mcp

Claude Desktop

Merge this into claude_desktop_config.json (macOS: ~/Library/Application Support/Claude/, Windows: %APPDATA%\Claude\), then restart Claude Desktop.

Claude Desktop configuration

{
  "mcpServers": {
    "smartcredit-mcp": {
      "url": "https://mcp.scplus.es/mcp"
    }
  }
}

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.

Windsurf configuration

{
  "mcpServers": {
    "smartcredit-mcp": {
      "serverUrl": "https://mcp.scplus.es/mcp"
    }
  }
}

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