Auto Lending
Instantly waive income stipulations for easier deals.
Fast-track closings while minimizing risk with a single platform.
Direct-to-source data forreal-time decisions.
Direct-to-source data for real-time decisions.
Income & Employment
Payroll-based for W2, gig, retirement, disability & more.
Bank Income
Bank-based for self-employed, seasonal, part-time.
Document Upload
Doc-based fallback: paystubs, W-2s, 1099s and 1040s.
Scoring Attributes
Increased risk model accuracy with transaction data.
Paycheck Pay
Paycheck-linked loans to automate repayment.
Waterfall
One platform, every verification method you need.
Cashflow visibility visibilitythat drives approvals.
Cashflow visibility visibility that drives approvals.
Conversion
Accelerate borrower pull-through.
Maximize conversion with multiple ways to understand ability to repay.
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Reduce Risk
Curb fraud risks in their tracks.
Direct-source data + AI-powered fraud detection fallback enable stronger controls.
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Reduce Risk
Put automated repayments in gear.
Tap into direct-source data upfront with automated repayment on backend.
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Security & Compliance
Run enterprise-grade security.
Truv's platform ensures every verification meets strict privacy, encryption, and data protection standards.
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Cost Savings
Steer verification costs down.
Lower dependency on manual labor and costly databases.
Learn morePlug Truv’s flexible solutionsinto your workflow in days.
Plug Truv’s flexible solutions into your workflow in days.
Embed in Dealership Online Systems
Automate verifications during the loan application process.
Auto-Trigger Follow-Ups
Automate to-do tasks in your portal for applicants who skip Truv in-app.
Truv Dashboard Online
Send branded email/sms notifications to applicants using our web-based portal.
Real results. Real Truv experiences.
Real results. Real Truv experiences.
Auto lending incomeverification FAQs.
Auto lending income verification FAQs.
Direct auto lending involves obtaining a loan directly from a financial institution before visiting a dealership. Indirect auto lending involves when a dealership arranges financing through multiple lenders. Truv’s income and employment verification solutions are designed to improve the workflows for both direct and indirect auto lenders.
Truv offers comprehensive verification services for auto lenders and dealers, including income verification, employment verification, document processing, scoring attributes, and paycheck pay. Our all-in-one platform is designed to optimize conversion and streamline the verification process.
Truv accelerates auto loan decisions through instant income and employment verification, allowing you to waive income stipulations immediately. Our platform combines employment verification, income validation, and insurance verification in one seamless process, enabling dealers and lenders to complete verifications while the customer is still on the lot.
Truv SmartRouting automatically selects and presents the most efficient verification path to each applicant, either payroll provider or bank account, resulting in a seamless, conversion-optimized flow. This ensures you can serve more applicants with a faster experience.
Auto lenders using our platform report dramatically reduced verification times, higher application completion rates, and increased closing ratios. The ability to instantly verify income and employment means dealers can complete more deals while customers are still on the lot.
Our platform provides multiple layers of risk mitigation including real-time income and employment verification, insurance verification, and direct paycheck-based loan repayment options. Our system analyzes transaction data to verify income stability and provides insights into debt-to-income ratios.
Truv’s all-in-one platform provides income and employment verification with instant auto insurance verification, streamlining two critical components of auto lending from one vendor. Our solution verifies insurance coverage in real-time, helping you meet compliance requirements and close loans faster.
All borrower data is encrypted using Advanced Encryption Standard (AES-256) and Transport Layer Security (TLS). Our platform complies with auto lending regulations while streamlining the lending process.