Finicity is part of the Mastercard family. Our open banking platform provides the financial data you need.

Income Verification for Auto Lending

Trusted, real-time data to clear stips and close more deals

It’s pretty simple. Your customers want a digital experience.  You need the best data for credit decisioning. We’ve combined the two for tomorrow’s auto lending and dealer experience.

Better insight for smarter, seamless lending decisions.

Digital lending can help you close more loans while also mitigating risk in both underwriting and servicing of those loans. And, borrowers appreciate the streamlined loan experience. 

Auto loan contract illustration - auto loan income verification

Solutions for credit-decisioning, loan funding and loan servicing

Income verification icon

Income verification

Loan funding icon

Loan funding enablement

Account validation icon

Account validation for payment setup

Cash flow icon

Cash flow analytics for commercial, fleet and rooftop financing

Key benefits

We integrate seamlessly into the lender’s and dealer’s workflow, improving the credit decisioning process and delivering a better customer experience.

  1. Build seamless customer experiences to close more deals.
  2. Enable dealer management platforms to access real-time, trusted data for smart credit decisioning and effective offers.
  3. Facilitate payment setup, streamline account onboarding processes and monitor portfolio risk with real-time account data.
  4. Augment credit report with real-time data for better credit decisioning of customers considered to be subprime or those with thin credit files.
Consumer interacting with mobile device - key benefits.


Seamless user experience

Consumers easily permission data from their bank accounts with our Connect product. We do the rest, delivering the financial data you need to enhance your customer’s new financial experience.

Mortgage API - borrower income, assets, and employment verification

Auto lending API for loan income verification - VOI api

Auto lending income verification APIs

Check out our auto lending APIs that include income verification and cash flow insights. Get started and test our APIs or view our documentation at Mastercard Developers.

More Resources

Opening banking helps clear stips and close more loans

Ready to see these solutions in action?

Learn more about our Verification of Income report

Certain open banking solutions are provided by Finicity, a Mastercard company.