> ## 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.

# Consumer Credit

> Income and asset verification for auto loans, personal loans, and credit decisioning

Truv helps consumer lenders verify borrower income and assets instantly, improving approval rates and reducing fraud.

<CardGroup cols={2}>
  <Card title="Faster Decisions" icon="clock">
    Real-time income verification for instant approvals
  </Card>

  <Card title="Higher Approval Rates" icon="chart-line">
    Verify income for thin-file borrowers
  </Card>

  <Card title="Reduced Fraud" icon="shield-check">
    Direct data prevents document falsification
  </Card>

  <Card title="Better UX" icon="face-smile">
    No document uploads needed
  </Card>
</CardGroup>

***

## Quick start

Run a demo app to see Truv in action, then follow the integration guide to build it into your workflow.

<CardGroup cols={2}>
  <Card title="Smart Routing" icon="route" href="/credit/integration/smart-routing">
    Payroll-first with automatic document fallback
  </Card>

  <Card title="Bank Income" icon="building-columns" href="/credit/integration/bank-income">
    Transaction-based income verification
  </Card>

  <Card title="Payroll Income" icon="money-bill-trend-up" href="/credit/integration/payroll-income">
    Direct payroll connection for income data
  </Card>

  <Card title="Paycheck-Linked Loans" icon="link" href="/credit/integration/pll">
    Automatic loan repayment from paycheck
  </Card>
</CardGroup>

***

## What you can verify

<CardGroup cols={2}>
  <Card title="Income & Employment" icon="money-bill-trend-up" href="/credit/products/income-employment">
    * Current income
    * Employment status
    * Pay frequency
    * YTD earnings
  </Card>

  <Card title="Assets" icon="piggy-bank" href="/credit/products/assets">
    * Bank balances
    * Account ownership
    * Transaction patterns
  </Card>

  <Card title="Bank Aggregation" icon="building-columns" href="/credit/products/bank-aggregation">
    * Cash flow analysis
    * Income deposits
    * Spending patterns
  </Card>
</CardGroup>

***

## Use cases

<AccordionGroup>
  <Accordion title="Auto Loans" icon="car">
    Verify income for vehicle financing:

    * New and used car loans
    * Refinancing
    * Lease buyouts

    **Products:** Income & Employment, Assets
  </Accordion>

  <Accordion title="Personal Loans" icon="money-bill">
    Income verification for unsecured lending:

    * Debt consolidation
    * Home improvement loans
    * Emergency expenses

    **Products:** Income & Employment, Assets
  </Accordion>

  <Accordion title="Credit Cards" icon="credit-card">
    Income verification for credit limit decisions:

    * New account applications
    * Credit limit increases
    * Risk assessment

    **Products:** Income & Employment
  </Accordion>

  <Accordion title="Buy Now Pay Later" icon="cart-shopping">
    Quick income checks for BNPL:

    * Point-of-sale financing
    * Installment plans
    * Higher-ticket items

    **Products:** Income & Employment
  </Accordion>
</AccordionGroup>

***

## Integration options

### Option 1: Dashboard (No Code)

<img src="https://mintcdn.com/truv/EPZ3fgmRiGhZ9lyi/images/dashboard-multiproduct-order-page-2.png?fit=max&auto=format&n=EPZ3fgmRiGhZ9lyi&q=85&s=8bdac0d2201b86716aaec0bd8261e1f7" alt="Truv Dashboard and order landing page" width="1800" height="1380" data-path="images/dashboard-multiproduct-order-page-2.png" />

Use the Truv Dashboard to create and manage verification orders without any integration:

* 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

[Learn more about Dashboard integration -->](/developers/dashboard)

### Option 2: Embedded Orders (Recommended)

<img src="https://mintcdn.com/truv/EPZ3fgmRiGhZ9lyi/images/embedded-order-consumer-lending.png?fit=max&auto=format&n=EPZ3fgmRiGhZ9lyi&q=85&s=ce100e11546d5ea9ce0c0f014879f0a2" alt="Embedded order" width="1800" height="1263" data-path="images/embedded-order-consumer-lending.png" />

For custom implementations or automated lending workflows:

<CardGroup cols={2}>
  <Card title="Smart Routing" icon="route" href="/credit/integration/smart-routing">
    Payroll-first with automatic document fallback
  </Card>

  <Card title="Bank Income" icon="building-columns" href="/credit/integration/bank-income">
    Transaction-based income verification
  </Card>

  <Card title="Payroll Income" icon="money-bill-trend-up" href="/credit/integration/payroll-income">
    Direct payroll connection for income data
  </Card>

  <Card title="Paycheck-Linked Loans" icon="link" href="/credit/integration/pll">
    Automatic loan repayment from paycheck
  </Card>
</CardGroup>

***

## Implementation timeline

| Integration Method  | Timeline  | Code Required |
| ------------------- | --------- | ------------- |
| **Dashboard**       | Same day  | None          |
| **Embedded Orders** | 2-4 weeks | Minimal       |

***

## Get started

<Steps>
  <Step title="Choose your integration method">
    * Quick start with no code? --> [Dashboard Integration](/developers/dashboard)
    * Building custom? --> Choose an integration from the [Quick start](#quick-start) section above
  </Step>

  <Step title="Run a demo app">
    Clone the [demo apps repo](https://github.com/truvhq/demo-apps) and run a demo to see the verification flow end-to-end.
  </Step>

  <Step title="Test in sandbox">
    Test with various borrower scenarios
  </Step>

  <Step title="Launch to production">
    Start verifying borrower income instantly
  </Step>
</Steps>

***

## Next steps

<CardGroup cols={2}>
  <Card title="Smart Routing" icon="route" href="/credit/integration/smart-routing">
    Payroll-first with document fallback
  </Card>

  <Card title="API Reference" icon="book" href="/api-reference">
    Complete API documentation
  </Card>

  <Card title="Best Practices" icon="check" href="/developers/best-practices/embedded-orders">
    Implementation guidelines
  </Card>

  <Card title="Schedule Demo" icon="calendar" href="https://truv.com/contact">
    Talk to our lending solutions team
  </Card>
</CardGroup>