### Instant income verification

Streamline income and employment verification, automating approvals and reducing pay stub fraud.

### Visibility that drives approvals

Plaid’s cash flow data gets you under the hood to see a borrower’s true ability to pay, helping you approve more borrowers.

### Deposits in seconds—not days

Skip the wait. Set up instant, irrevocable deposits and recurring billing, without compromising on security.

### Verify income from the dealership chair

Give buyers a frictionless income and employment verification process—all without leaving the dealership.

- Send a secure link via text or email
- Applicants connect their bank account in 7 seconds
- Get income and employment details instantly

Plaid’s income verification suite covers 100% of the U.S. workforce—including gig and self-employed workers—with insights into two years of transactions, plus net and gross earnings.

- Plaid income verification suite provides 100% income verification coverage for the U.S. workforce.
- Approve Owl saw a 20% reduction in proof-of-income fraud after working with Plaid.

### More keys in hands—faster

Plaid helps dealers modernize auto underwriting and payments, increasing approvals while reducing fraud.

### Find qualified borrowers with richer insights

Assess credit risk with precision using Plaid’s cash flow and credit data—plus Experian’s analytics—to approve up to 25% more borrowers while reducing losses.

[Learn more](https://plaid.com/partners/experian/)

### Leave bounced checks in the rearview mirror

Onboard buyers instantly by securely connecting their bank accounts, enabling irreversible initial deposits and recurring payments.

> ### Our work with Plaid unlocks a faster, more seamless checkout experience by enabling real-time payments at a critical step in the process.
> 
> Matt Dundas
> 
> Vice President of Finance, Carvana
> 
> [Read the story](https://plaid.com/customer-stories/carvana/)

**How Carvana streamlined the car buying experience**

[Read the story](https://plaid.com/customer-stories/carvana/)

**Experian and Plaid bring real-time cash flow insights to lending**

**Approve Owl saw a 20% reduction in proof-of-income fraud**

## Drive off with a better auto experience

### Let’s get started