List of Plaid Lending Customers
San Francisco, 94120, CA,
United States
Since 2010, our global team of researchers has been studying Plaid Lending customers around the world, aggregating massive amounts of data points that form the basis of our forecast assumptions and perhaps the rise and fall of certain vendors and their products on a quarterly basis.
Each quarter our research team identifies companies that have purchased Plaid Lending for Loan Management from public (Press Releases, Customer References, Testimonials, Case Studies and Success Stories) and proprietary sources, including the customer size, industry, location, implementation status, partner involvement, LOB Key Stakeholders and related IT decision-makers contact details.
Companies using Plaid Lending for Loan Management include: LendingTree, a United States based Banking and Financial Services organisation with 860 employees and revenues of $673.0 million, PadSplit, a United States based Construction and Real Estate organisation with 113 employees and revenues of $19.0 million, MoneySpot USA, a United States based Banking and Financial Services organisation with 30 employees and revenues of $8.0 million, Carputty, a United States based Banking and Financial Services organisation with 50 employees and revenues of $8.0 million and many others.
Contact us if you need a completed and verified list of companies using Plaid Lending, including the breakdown by industry (21 Verticals), Geography (Region, Country, State, City), Company Size (Revenue, Employees, Asset) and related IT Decision Makers, Key Stakeholders, business and technology executives responsible for the software purchases.
The Plaid Lending customer wins are being incorporated in our Enterprise Applications Buyer Insight and Technographics Customer Database which has over 100 data fields that detail company usage of software systems and their digital transformation initiatives. Apps Run The World wants to become your No. 1 technographic data source!
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| Logo | Customer | Industry | Empl. | Revenue | Country | Vendor | Application | Category | When | SI | Insight |
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Carputty | Banking and Financial Services | 50 | $8M | United States | Plaid Financial | Plaid Lending | Loan Management | 2023 | n/a |
In 2023 Carputty integrated Plaid Lending into its Loan Management environment to support its United States auto lending products, Flexloan and Flexline. The integration is implemented in the borrower prequalification and application flow, where applicants are required to verify income through Plaid according to Carputty support documentation.
Plaid Lending is used to link bank accounts and verify income as explicit functional capabilities, enabling automated income verification within the loan origination workflow. The Loan Management deployment emphasizes account linking, income attestations, and automated data extraction to accelerate eligibility checks and prequalification decisions.
Operationally the integration covers consumer lending and underwriting functions across Carputty's US operations, embedding Plaid Lending calls at point of application to retrieve bank account and income signals. Carputty's support pages state the company partners with Plaid to link banking information and mandate income verification through Plaid for applicants.
Governance was implemented at the application level, requiring applicants to complete Plaid-based verification as part of rollout, with verified bank and income signals feeding credit decisioning workflows. This configuration enables faster, more automated credit decisioning as part of Carputty's auto Loan Management processes.
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LendingTree | Banking and Financial Services | 860 | $673M | United States | Plaid Financial | Plaid Lending | Loan Management | 2018 | n/a |
In 2018, LendingTree integrated Plaid Lending to expand its Loan Management capabilities and address low user engagement by enabling permissioned access to consumer financial data. The implementation positioned Plaid Lending as an account connectivity and data aggregation layer within LendingTree’s consumer finance products, allowing the company to offer ongoing financial insights rather than one-time loan transactions.
Plaid Lending was configured to support account linking during onboarding, capturing account balances, recent transactions, liabilities, and mortgage details. Functional capabilities implemented include transaction-level data ingestion, balance retrieval, debt-to-income calculation, amortization and mortgage detail extraction, and downstream personalized insight generation for budgeting, credit and loan recommendations.
The deployment uses Plaid’s connectivity to more than 11,000 financial institutions as the primary integration point, with user credentials entered through LendingTree’s onboarding flow to establish permissioned data access. Retrieved financial data feeds LendingTree’s analytics and product teams to power budgeting tips, credit insight surfaces, and mortgage payoff visualizations, applying the Plaid Lending data stream across consumer-facing workflows in the Loan Management product set.
Governance and product rollout centered on embedding account connectivity into onboarding and product UX, with product leadership explicitly planning to make connected accounts a core product feature. Outcomes reported by LendingTree include higher engagement and conversion among connected users, with Plaid-connected customers logging in 60% more often, generating 3.7 times more revenue per month, and a 56% loan request rate versus 14% for non-connected users, and additional reported credit score improvements for many users.
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MoneySpot USA | Banking and Financial Services | 30 | $8M | United States | Plaid Financial | Plaid Lending | Loan Management | 2022 | n/a |
In 2022, MoneySpot USA implemented Plaid Lending as its Loan Management application to modernize underwriting for short term consumer lending and improve income categorization. MoneySpot USA, doing business as Sunshine Loans, is a small US lender with roughly 30 employees and scoped the deployment to underwriting and loan origination workflows for short term consumer products.
The implementation centered on Plaid Income within the Plaid Lending underwriting stack, using income categorization and income verification capabilities to normalize payor data and feed structured income signals into credit decisioning workflows. Plaid Lending was configured to surface income classification, inferred pay frequency, and aggregated income artifacts to underwriting teams, aligning application data with loan eligibility checks and automated rule sets typical of Loan Management platforms.
Governance was oriented around underwriting and origination operations, with process changes focused on using Plaid Income outputs in application decisioning and reviewer workflows. Plaid reported a 38% improvement in income categorization accuracy following the deployment, and Plaid Lending remains the Loan Management component driving income signal ingestion and underwriting instrumentation for MoneySpot USA.
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Construction and Real Estate | 113 | $19M | United States | Plaid Financial | Plaid Lending | Loan Management | 2021 | n/a |
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Buyer Intent: Companies Evaluating Plaid Lending
- Mastercard, a United States based Banking and Financial Services organization with 35300 Employees
- Upstart Holdings, Inc., a United States based Professional Services company with 1497 Employees
- New York University, a United States based Education organization with 19000 Employees
Discover Software Buyers actively Evaluating Enterprise Applications
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