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Collect loan repayments automatically by deducting payments directly from the borrower’s paycheck. Achieve higher repayment rates and lower default risk compared to traditional ACH-based collections.
Try the demo — Run the Paycheck-Linked Loans demo to see payroll deduction setup working end-to-end. Clone the demo app ->

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How it works

1

Borrower connects payroll

The borrower authenticates with their employer’s payroll system through Truv Bridge.
2

Configure deduction

You specify the repayment amount as a fixed dollar value or a percentage of net pay.
3

Automatic deductions begin

Each pay period, the configured amount is deducted from the borrower’s paycheck.
4

Payment delivered

The deducted payment is sent directly to your collection account.

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Benefits

Higher Repayment Rates

Payments happen before discretionary spending

Lower Default Risk

Automatic, consistent payments every pay period

Better Borrower Experience

No manual payment management or missed due dates

Real-Time Visibility

Know payment status immediately through webhooks

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Deduction types

TypeDescriptionExample
amountFixed dollar amount$200 per paycheck
percentPercentage of net pay10% of each paycheck
Paycheck Linked Lending uses the User Token flow instead of Embedded Orders. This provides ongoing access to the payroll connection for recurring deductions.

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Data coverage

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Payroll Providers

Truv connects to payroll providers covering 85%+ of US employees:
ProviderCoverage
ADP~20% of US workers
Paychex~10% of US workers
WorkdayLarge enterprises
UKG (Kronos)Healthcare, retail
PaylocityMid-market
GustoSmall business
And 100+ more

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Report structure

The PLL report returns the deduction status and deposit configuration for a borrower’s payroll link.
FieldDescription
idUnique report identifier
statusRequest status (new, done, error)
deposit_details.deposit_typeamount (fixed) or percent (percentage of net pay)
deposit_details.deposit_valueConfigured deduction value
deposit_details.account_numberTarget bank account number
deposit_details.routing_numberTarget bank routing number
deposit_details.bank_nameTarget bank name
deposit_details.account_typechecking or savings
finished_atTimestamp when the report completed
{
  "id": "24d7e80942ce4ad58a93f70ce4115f5c",
  "status": "done",
  "finished_at": "2021-04-06T11:30:00Z",
  "access_token": "48427a36d43c4d5aa6324bc06c692456",
  "tracking_info": "user123456",
  "deposit_details": {
    "account_number": "16002600",
    "routing_number": "123456789",
    "bank_name": "TD Bank",
    "account_type": "checking",
    "deposit_type": "amount",
    "deposit_value": "200.00"
  }
}
See the PLL Report API reference for the full schema.

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Manage the lifecycle

Once a Paycheck Linked Lending deduction is active, you can:
  • Update the deduction amount, adjust as the loan balance changes
  • Pause deductions, temporarily suspend during hardship periods
  • Cancel deductions, remove when the loan is fully repaid

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API reference

Bridge Token

Create tokens for Truv Bridge

PLL Report

Paycheck Linked Lending report

Link Details

PLL link detail report

Users

Create and manage users

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Best practices

Always cancel the deduction when the loan balance reaches zero to avoid over-collection and maintain borrower trust.
Fixed dollar deductions provide consistent repayment schedules. Percentage-based deductions are useful when income varies.
Watch for task-status-updated webhooks to detect if the borrower changes jobs or their payroll provider rejects the deduction.

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Next steps

Implementation Guide

Step-by-step Paycheck Linked Lending setup

Bridge Widget Guide

Understand the User + Bridge Token integration flow