> ## Documentation Index
> Fetch the complete documentation index at: https://docs.truv.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Integration for Consumer Credit

> Choose the right verification method for your lending workflow

Verify applicant income, employment, and assets by embedding [Truv Bridge](/developers/sdks/overview) in your lending application. Choose the verification method that fits your use case.

<Info>
  All Consumer Credit integrations use the [Bridge Widget](/developers/integration/bridge-widget/overview) flow. Create a [user](/api-reference/users/users_create) and [bridge token](/api-reference/bridge-token/users_tokens), then open Bridge for the applicant to connect.
</Info>

***

## Choose your verification method

| Method                                               | What it does                                        | Data source            | Best for                               | Demo                                                       |
| ---------------------------------------------------- | --------------------------------------------------- | ---------------------- | -------------------------------------- | ---------------------------------------------------------- |
| [Smart Routing](/credit/integration/smart-routing)   | Check employer coverage, recommend the fastest path | Payroll, bank, or docs | Most lending workflows                 | [SmartRouting](https://github.com/truvhq/demo-apps)        |
| [Bank Income](/credit/integration/bank-income)       | Verify income from bank transactions                | Financial accounts     | Thin-file borrowers, gig workers       | [BankIncome](https://github.com/truvhq/demo-apps)          |
| [Payroll Income](/credit/integration/payroll-income) | Verify income directly from payroll                 | Payroll                | Employed borrowers with payroll access | [PayrollIncome](https://github.com/truvhq/demo-apps)       |
| [Paycheck-Linked Loans](/credit/integration/pll)     | Set up automatic loan repayment from paycheck       | Payroll                | Post-approval repayment                | [PaycheckLinkedLoans](https://github.com/truvhq/demo-apps) |

***

## API flow

All Consumer Credit integrations follow the same User + Bridge Token flow:

1. **Create a user** -- Your server calls [POST /v1/users/](/api-reference/users/users_create).
2. **Create a bridge token** -- Your server calls [POST /v1/users/{id}/tokens/](/api-reference/bridge-token/users_tokens) with the `product_type` and `data_sources` for the chosen method.
3. **Open Bridge** -- Your frontend initializes [Truv Bridge](/developers/sdks/overview) with the `bridge_token`. The applicant connects their provider.
4. **Receive webhooks** -- Truv sends a `task-status-updated` [webhook](/api-reference/webhooks) when verification completes.
5. **Fetch the report** -- Your server retrieves the [VOIE report](/api-reference/user-income-and-employment-reports/users_reports) or [income insights report](/api-reference/income-insights/income-insights-report-create) depending on the method.

***

## Combine methods

Most production implementations combine two or more approaches:

* **Smart Routing + PLL**: Verify income during the application, then set up automatic repayment after approval.
* **Payroll + Bank**: Try payroll first for the best data quality. Fall back to bank income when the employer has low payroll coverage.
* **Any method + Documents**: Enable document upload as a fallback in Bridge when direct connections are unavailable.

***

## Next steps

<CardGroup cols={2}>
  <Card title="Smart Routing" icon="route" href="/credit/integration/smart-routing">
    Automatically recommend the best verification method for each applicant
  </Card>

  <Card title="Bank Income" icon="building-columns" href="/credit/integration/bank-income">
    Verify income from bank transactions when payroll is unavailable
  </Card>

  <Card title="Payroll Income" icon="briefcase" href="/credit/integration/payroll-income">
    Connect directly to payroll for verified income and employment data
  </Card>

  <Card title="Paycheck-Linked Loans" icon="money-bill-transfer" href="/credit/integration/pll">
    Set up automatic loan repayment from the borrower's paycheck
  </Card>
</CardGroup>