Faster loan approvals with verified income.
Automated income verification with AI fraud detection. Save up to 70% vs. traditional methods.
Trusted by consumer lenders
Built in-house, verified at the source.
Starting at $35 per verification. No subscription required.
Income Verification
Verify applicant income directly from payroll systems. See current salary, pay frequency, and YTD earnings.
Document Fraud Detection
AI-powered fraud detection for paystubs, bank statements, and tax documents. 99.99% detection rate.
Bank Income Verification
24-month transaction history analysis across 13,000+ financial institutions. Cashflow insights included.
Why partner with Truv?
65% conversion rate.
Borrower experience optimized for high conversion and minimal friction. Smart routing automatically selects the fastest verification path.
99.99% fraud detection.
AI-powered fraud detection catches altered paystubs, fabricated bank statements, and synthetic identities before they cost you.
Save up to 70% on verification costs.
Transparent pricing. No surprise fees. Reduce dependency on expensive manual verification and third-party databases.
2,000+ data points for risk assessment.
Scoring attributes from payroll and banking data give you deeper insight into borrower ability to pay. Cashflow analysis included.
How It Works
Place an Order
Enter borrower details and select verification products. Pay securely with a credit card.
Borrower Verifies
The borrower receives a link via SMS and email. They connect their payroll or bank account through a secure widget.
Report Delivered
Verified income and employment data is delivered to your dashboard. Approve the loan with confidence.
Join consumer lenders already using Truv.
Truv is trusted by thousands of businesses for income and employment verification. Get verified data directly from the source — no document uploads, no manual review.
Explore how Truv compares.
Faster than manual stipulations
Skip the back-and-forth of requesting and reviewing uploaded documents. Direct source verification in minutes.
Better fraud detection than document review
Direct source verification catches forged paystubs and altered bank statements that manual review misses.
Payroll + bank + docs in one platform
Waterfall verification tries multiple methods automatically. No need for separate vendors for each data source.
Simple, transparent pricing.
Pay as you go or save with monthly bundles.
Pay as you go
No monthly fee. Best for occasional loan verifications.
No monthly fee
- Email Support
- Help Center & Developer Docs
Launch
Best for lenders getting started with automated verification.
10 reports included
$30 per verification
- Email Support
- Help Center & Developer Docs
- Trust Center & SOC2 Report
Growth
Best for growing lending companies scaling verification volume.
20 reports included
$25 per verification
Everything in Launch and
- API Support for Custom Platforms
- 30-Day Onboarding Support
Professional
Best for mid-sized lenders needing dedicated support.
50 reports included
$20 per verification
Everything in Growth and
- Dedicated CSM
- Custom Team Training
Professional Plus
Best for high-volume lenders. Lowest per-verification rate.
100 reports included
$15 per verification
Everything in Professional and
- Premium Support
- Quarterly Business Reviews
All plans include
Income Verification
Verify applicant income directly from payroll systems. See current salary, pay frequency, and YTD earnings.
Document Fraud Detection
AI-powered fraud detection for paystubs, bank statements, and tax documents. 99.99% detection rate.
Bank Income Verification
24-month transaction history analysis across 13,000+ financial institutions. Cashflow insights included.
Free Custom Logo
Customize your invitations with your company logo.
Whitelabeled Solution
Customize the borrower experience with your branding.
Unlimited Users
Add your entire team at no extra cost.
Consumer lending FAQs.
Most verifications complete in under 30 seconds when the applicant connects their payroll or bank account directly. Even complex waterfall verifications typically complete within 24 hours.
Yes. Truv's AI-powered fraud detection achieves a 99.99% detection rate for altered and fabricated documents. Because we also verify directly from payroll systems, there's no opportunity for document forgery.
Truv covers W-2 wages, 1099 contractor income, gig economy earnings, self-employment income, and bank income through transaction history analysis across 13,000+ financial institutions.
No. Truv charges $35 per verification with no monthly fees, setup costs, or minimums. Pay only when you verify.
Start approving borrowers today.
No subscription. No setup fees. Pay $35 per verification only when you need it.