Lending
A faster, more secure way for borrowers to access capital
Or, get API keys
The Problem
Most lenders struggle to gain a holistic picture of their applicants due to the amount of work and time it takes to collect income information, account balances, and asset history. It's also a cumbersome process to get borrowers to connect their bank accounts to receive capital and repay loans.
The solution
Plaid provides borrowers with an easy, streamlined loan experience while giving lenders access to the user-permissioned bank, payroll, and document uploaded data they need to make informed lending 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
Loan applicants choose instant verification 38% more often with Plaid products [Bank Income & Assets] than they did with the previous solution.

Products and benefits

Verify borrowers’ assets digitally
Assets provides a consolidated report with account balances, uncategorized and categorized transactions, and account identity information

Verify income and employment
Income allows users to verify income and employment in seconds–not days–while streamlining the loan decision process for lenders

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