Truv helps consumer lenders verify borrower income and assets instantly, improving approval rates and reducing fraud.Documentation Index
Fetch the complete documentation index at: https://truv.com/docs/llms.txt
Use this file to discover all available pages before exploring further.
Faster Decisions
Real-time income verification for instant approvals
Higher Approval Rates
Verify income for thin-file borrowers
Reduced Fraud
Direct data prevents document falsification
Better UX
No document uploads needed
Quick start
Run a demo app to see Truv in action, then follow the integration guide to build it into your workflow.Smart Routing
Payroll-first with automatic document fallback
Bank Income
Transaction-based income verification
Payroll Income
Direct payroll connection for income data
Paycheck-Linked Loans
Automatic loan repayment from paycheck
What you can verify
Income & Employment
- Current income
- Employment status
- Pay frequency
- YTD earnings
Assets
- Bank balances
- Account ownership
- Transaction patterns
Bank Aggregation
- Cash flow analysis
- Income deposits
- Spending patterns
Use cases
Auto Loans
Auto Loans
Verify income for vehicle financing:
- New and used car loans
- Refinancing
- Lease buyouts
Personal Loans
Personal Loans
Income verification for unsecured lending:
- Debt consolidation
- Home improvement loans
- Emergency expenses
Credit Cards
Credit Cards
Income verification for credit limit decisions:
- New account applications
- Credit limit increases
- Risk assessment
Buy Now Pay Later
Buy Now Pay Later
Quick income checks for BNPL:
- Point-of-sale financing
- Installment plans
- Higher-ticket items
Integration options
Option 1: Dashboard (No Code)
- Create orders manually via the Dashboard UI
- Send verification links to borrowers via email/SMS
- View results directly in the Dashboard
- Optionally add webhooks to sync data to your loan origination system
Option 2: Embedded Orders (Recommended)
Smart Routing
Payroll-first with automatic document fallback
Bank Income
Transaction-based income verification
Payroll Income
Direct payroll connection for income data
Paycheck-Linked Loans
Automatic loan repayment from paycheck
Implementation timeline
| Integration Method | Timeline | Code Required |
|---|---|---|
| Dashboard | Same day | None |
| Embedded Orders | 2-4 weeks | Minimal |
Get started
Choose your integration method
- Quick start with no code? —> Dashboard Integration
- Building custom? —> Choose an integration from the Quick start section above
Run a demo app
Clone the demo apps repo and run a demo to see the verification flow end-to-end.
Next steps
Smart Routing
Payroll-first with document fallback
API Reference
Complete API documentation
Best Practices
Implementation guidelines
Schedule Demo
Talk to our lending solutions team