Lending
A faster, more secure way for borrowers to access capital
Or, get API keys
The Problem
Lenders must gather holistic pictures of their applicants, but the process of collecting income information, account balances, and asset history creates considerable work for both the borrower and lender. Additionally, getting borrowers to connect their bank accounts to receive capital and repay loans is a cumbersome process.
The solution
Plaid provides borrowers with an easy, streamlined loan experience; and lenders with access to bank data to make informed loan decisions.

Trusted by Fannie Mae
Plaid is a certified Day 1 Certainty™ asset verification report supplier for Fannie Mae’s Desktop Underwriter®
Seamless experience
Plaid’s login module for end users is easy to customize and drop into an online loan application
The Assets product provides OppLoans with reliable, high-quality bank data, which makes integrating it into our underwriting process very smooth.
Products and benefits
Verify borrowers’ assets digitally
Assets provides a consolidated report with account balances, uncategorized and categorized transactions, and account identity information

Verify borrowers' identities
Identity confirms users' identities with what's on file at the bank—in other words, their name, phone number, address, and email — to reduce fraud
Check balances in real-time
Balance instantly checks whether users have the funds to make a payment or transfer
Instantly authenticate accounts
Auth pulls users' account and routing information , which can be used to enable seamless payments and transfers in the US and Canada, and debit withdrawals in Europe
Check financial obligations
Liabilities (US only) provides a real-time feed of information about a user’s financial obligations including student loans and credit cards