Paycheck Linked Lending

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 ->

How it works

Borrower connects payroll

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

Configure deduction

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

Automatic deductions begin

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

Payment delivered

The deducted payment is sent directly to your collection account.

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

Deduction types

Type	Description	Example
`amount`	Fixed dollar amount	$200 per paycheck
`percent`	Percentage of net pay	10% 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.

Data coverage

Payroll Providers

Truv connects to payroll providers covering 85%+ of US employees:

Provider	Coverage
ADP	~20% of US workers
Paychex	~10% of US workers
Workday	Large enterprises
UKG (Kronos)	Healthcare, retail
Paylocity	Mid-market
Gusto	Small business
And 100+ more

Report structure

The PLL report returns the deduction status and deposit configuration for a borrower’s payroll link.

Field	Description
`id`	Unique report identifier
`status`	Request status (`new`, `done`, `error`)
`deposit_details.deposit_type`	`amount` (fixed) or `percent` (percentage of net pay)
`deposit_details.deposit_value`	Configured deduction value
`deposit_details.account_number`	Target bank account number
`deposit_details.routing_number`	Target bank routing number
`deposit_details.bank_name`	Target bank name
`deposit_details.account_type`	`checking` or `savings`
`finished_at`	Timestamp when the report completed

Example PLL report response

{
  "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.

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

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

Best practices

Cancel deductions when the loan is repaid

Always cancel the deduction when the loan balance reaches zero to avoid over-collection and maintain borrower trust.

Use fixed amounts for predictable repayment

Fixed dollar deductions provide consistent repayment schedules. Percentage-based deductions are useful when income varies.

Monitor for payroll connection changes

Watch for task-status-updated webhooks to detect if the borrower changes jobs or their payroll provider rejects the deduction.

Paycheck Linked Lending

How it works

Benefits

Higher Repayment Rates

Lower Default Risk

Better Borrower Experience

Real-Time Visibility

Deduction types

Data coverage

Payroll Providers

Report structure

Manage the lifecycle

API reference

Bridge Token

PLL Report

Link Details

Users

Best practices

Next steps

Implementation Guide

Bridge Widget Guide

​How it works

​Benefits

Higher Repayment Rates

Lower Default Risk

Better Borrower Experience

Real-Time Visibility

​Deduction types

​Data coverage

​Payroll Providers

​Report structure

​Manage the lifecycle

​API reference

Bridge Token

PLL Report

Link Details

Users

​Best practices

​Next steps

Implementation Guide

Bridge Widget Guide

How it works

Benefits

Deduction types

Data coverage

Payroll Providers

Report structure

Manage the lifecycle

API reference

Best practices

Next steps