plaid lendscore
A first-of-its-kind credit risk score for modern lending
Increase approvals, lower losses, and make more precise credit decisions with risk insights never before used in lending.
Credit risk insights you can’t get anywhere else
LendScore factors in signals only Plaid can see—like what apps borrowers are connected to and for how long—to show you how risk is changing in real time.
Ahead-of-the-curve decisioning Get 25% more predictive power than with traditional credit data alone.
Sharper risk analysis Spot hidden risk with a deeper understanding of ability to pay.
Broader access to credit Approve more creditworthy borrowers who may otherwise be overlooked.
Credit risk insights you can’t get anywhere else
LendScore factors in signals only Plaid can see—like what apps borrowers are connected to and for how long—to show you how risk is changing in real time.
Ahead-of-the-curve decisioning Get 25% more predictive power than with traditional credit data alone.
Sharper risk analysis Spot hidden risk with a deeper understanding of ability to pay.
Broader access to credit Approve more creditworthy borrowers who may otherwise be overlooked.
lift in predictive performance compared to traditional credit data alone
risk reduction for some subprime & near-prime borrowers
increase in originations for prime borrowers without increasing risk
How it works
Borrower opts in
With Plaid’s account linking experience, up to 80% of borrowers successfully connect.
Get a score in seconds
Plaid delivers a score from 1-99 and reason codes for adverse action & FCRA compliance.
You’re ready to decide
Now, you can confidently approve or decline with the full financial picture.
“Plaid helped us uncover signals we’d never seen in bureau or cash flow data. The network insights gave us a whole new layer of confidence, helping us approve the right borrowers while spotting hidden risks early.”
Hunter Chambers
Senior Product Manager, Upgrade
See what sets LendScore apart
Get unique insights into financial behavior
Network insights Find hidden risks & opportunities with proprietary insights into app connections, usage & more.
Income analytics Better understand ability to pay through income streams, earnings history & employment data.
Cash flow data Assess financial stability & spot early signs of stress with spending & balance insights.
Get unique insights into financial behavior
Network insights Find hidden risks & opportunities with proprietary insights into app connections, usage & more.
Income analytics Better understand ability to pay through income streams, earnings history & employment data.
Cash flow data Assess financial stability & spot early signs of stress with spending & balance insights.
Convert more borrowers right from the start
Get conversion rates of up to 80% for account linking with an experience that outperforms industry averages and is used by 1 in 2 U.S. bank account holders.
Convert more borrowers right from the start
Get conversion rates of up to 80% for account linking with an experience that outperforms industry averages and is used by 1 in 2 U.S. bank account holders.
