Consumer Lending
Approve more loans with predictive risk insights
Make smarter decisions at every step of the loan lifecycle with real-time cash flow data and risk analytics from the Plaid Network.
Frictionless onboarding for higher conversion
Give returning eligible users the fastest onboarding possible with Instant Link, without requiring them to re-link their bank accounts.
Richer insights for more precise assessments
Make clearer lending decisions with a deeper look into credit risk, income, cash flow, and financial behavior.
From application to disbursement, faster
Get to know and verify borrowers
Securely pull the financial data you need, while keeping qualified borrowers moving through the flow.
Instant access for eligible users
Returning, eligible users can avoid repeat account linking with Instant Link, moving straight into early qualification.
Fast onboarding for new borrowers
With just a phone number, borrowers share key identity information and connect their financial accounts directly in your application, with up to 80% conversion.
Global identity checks for everyone
Every borrower gets ID document checks, liveness detection, and watchlist screening—the checks that support your KYC and AML workflows.
By using Plaid's LendScore and attributes via Instant Link, Fragile was able to reduce delinquency by 26% for eligible users without compromising approvals.
Bobby George
Risk Engineer
Smarter risk analytics for modern lending
Get up to 24 months of FCRA-compliant cash flow data alongside income insights, attributes, and risk scores, so you can assess affordability faster and more confidently.
A clearer view of income
Reduce fraud and speed up approvals with real-time visibility into applicants' income streams, past and forecasted earnings, and employment.
More confident underwriting
Approve more qualified borrowers and reduce losses with a powerful analytics suite—cash flow attributes, account activity insights, and risk scoring.
Specialized credit risk scores
Sharpen risk assessment with market-specific scores for Auto, Short Term, or Home Lending—all from the Plaid LendScore family. Push predictive performance further with LendScore Arc, our transformer-based credit risk model.
One of the biggest opportunities for cash flow underwriting is making the experience easier for consumers. By reducing the need for repeated bank account linking, Instant Link could help make cash flow data a more practical part of lending at scale.
Kiran Aware
Chief Consumer Lending Officer
Instantly disburse
low-risk loans
Speed up loan payouts with ACH or RTP, giving eligible users faster access to funds. Use the same rails for auto-pay to reduce NSF and return risks.
Instantly disburse
low-risk loans
Speed up loan payouts with ACH or RTP, giving eligible users faster access to funds. Use the same rails for auto-pay to reduce NSF and return risks.
<2 secondsAccess real-time cash flow data for eligible, returning users with Instant Link
100% coverageCover the U.S. workforce with bank account, payroll, and document data
42% liftPredict risk more accurately with Plaid LendScore than with traditional credit data alone
