Credit & Lending

Streamline the assessment process

Make faster lending decisions and identify more eligible borrowers.

Building with TrueLayer

Accelerate applications

"TrueLayer instantly provided us with a seamless and safe way to verify account ownership and transaction history."

Sheraz Dar, CEO

Instantly assess eligibility

Build a full picture of every applicant's financial situation. Monitor risk and create alerts when a borrower goes into overdraft or misses a payment.


Pay borrowers faster

Automatically initiate payouts, reducing administration and lowering costs. Simply send us the IBAN details and we’ll handle the rest.

Real-time data to power every decision

Enhance credit and risk assessments with up to six years of transaction history

Boost conversion

Remove lengthy forms and manual paperwork, applicants can verify identity and account information in two clicks.

Eliminate Fraud

Authenticate accounts and payments directly with the bank, slashing fraud and chargebacks and saving you 0.5% - 1% of revenues.

Completely white-label

Own your customer journey end-to-end. Easily configure authentication flows to match your brand.

Reduce costs

Say goodbye to card and interchange fees. We use open banking infrastructure to reduce costs by 80%+ vs cards.

Bank Grade Security

Our APIs are open banking and PSD2 compliant across Europe ensuring secure access to the financial system.

Increase speed to market

Focus on building great products, not maintaining your infrastructure. Our systems are built for scale and operate with 99.9% uptime.

See what our customers are building

Ready to get started?

Talk to one of our Credit and Lending experts