TrueLayer | Credit & Lending

Credit & Lending

Streamline the assessment process

Make faster lending decisions and identify more eligible borrowers.



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.
  • Combat fraud

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

    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