credit

Approve more loans on one platform

Quickly access the latest assets, cash flow, and income data with the industry’s highest-converting user experience.

One-click experiences for higher conversion

Convert up to 25% more potential borrowers. Trusted by 1 in 2 U.S. bank account holders, our user experience streamlines the lending process.

Insights and attributes for easy risk assessment

Use real-time cash flow insights powered by the Plaid Network to make smarter risk decisions and offer more competitive loan terms.

Streamline everything from verification to disbursement

Get to know and verify borrowers

Quickly verify assets and income, meet global KYC requirements, and reduce fraud losses with our powerful anti-fraud engine.

Layer
Instantly share key identity information and link financial accounts, including income, expenses, and account balances directly with lenders—all with just a phone number.
Identity Verification
Stay ahead of compliance and risk. Easily verify borrowers’ identities for global KYC with ID document checks, liveness detection, risk analysis, and anti-money laundering watchlist screening.
Income Insights
Make smarter and faster decisions. Get real-time insights into a borrower’s income and employment in seconds with a breakdown of earnings from salaries, gig work, and more.

When users connect via Plaid, they convert faster, more frequently, more reliably, and with a better user experience.

Herman Man
Chief Product Officer

Cash flow summary dashboard displaying June inflow of $4,280.34 and June outflow of $1,480.18. A bar chart visualizes monthly cash flow trends from July 2023 to December 2023, with a green line tracking financial stability. Additional metrics include average inflow ($4,326.64), average outflow (-$1,460.15), and average cash flow ($4,000.19). The interface features a clean design with a gradient blue and purple background, emphasizing financial tracking and budgeting.

Lend smarter with cash flow data

Get up to 24 months of cash flow data for a full financial picture. With hundreds of FCRA-compliant income attributes, cash flow metrics, and account insights, Plaid Check can help you assess risk in minutes.

Consumer Report
Make smarter credit and lending decisions with unique risk and cash flow insights from Consumer Report by Plaid Check, our Consumer Reporting Agency.
Simply text or email borrowers to connect their accounts, then review their complete, real-time data in minutes with our no-code dashboard.

Ten years ago, there weren't structures for cash flow data. This new ecosystem of tools, like Plaid's CRA, gives lenders and financial institutions more reason to use cash flow data to meet their goals.

Tim Hong
Chief Product Officer

Instantly disburse
low-risk loans

Speed up loan payouts with ACH or Real-Time Payments, giving eligible borrowers faster access to funds. Use the same rails for auto-pay to reduce NSF and return risks.

Transfer
Increase revenue and simplify workflows with a complete multi-rail money movement solution. Use ACH, Real-Time Payments, and wire transfers for fast, seamless, and reliable money movement.