Header image
icon

Paycheck-linked lending

Improve your default risk and late payment rates.Let your users automatically repay their loan directly from their paycheck.

up_icon
Ongoing payroll monitoring to track your user's repayments
time
Fast and easy integration so you can get back to your core business
Questions?

Trusted by

company logo imagecompany logo imagecompany logo imagecompany logo imagecompany logo imagecompany logo image

How it works

Your borrower connects their payroll data so you can determine their loan based on paycheck eligibility.

how it works example
how it works example
how it works example
how it works example

Your Website or App

Argyle Link

Once approved, the borrower can seamlessly enable recurring paycheck withholding directly from their paycheck each month.

how it works example
how it works example
how it works example

Your Website or App

Argyle Link

Learn more about configuring your salary linked loan solutions with

check
Automated
Allocate a specific amount each month to pay off a borrower's loan.
check
Instant
A user's payroll system is updated as soon as they tap “confirm”.
check
Transparent
Optional
Get notified upon initial switch and if users' direct deposit information changes at a later time.

Legacy

cross
Manual
Require users to manually input payment details and navigate various ACH forms.
cross
Slow
Wait for days or weeks for changes to take effect.
cross
Opaque
No visibility into users’ direct deposit settings changes.

Flexible integration

Embed Argyle directly into your app, or invite users to switch their deposit details via custom text and email-based invites.

direct deposit integrationdirect deposit integration

Within your app

Let your users update their direct deposit information without ever leaving your application.

No-code user invitation

Send out customized invitations via SMS or email directly through Argyle Console.

  • bucks

    Account connected

    Starbox
  • bucks

    Switch confirmed

    Distribution25%

Stay in the know. Make better decisions with real-time updates.

Get notified when users connect their account, confirm their new direct deposit information, and more using webhooks available via Argyle's API.

Link and stay in the loop
Optional

Augment paycheck-linked lending with Argyle’s industry leading employment data.

/marketing-website/v5/solutions_pages/scan
Monitoring

Argyle’s 140+ fields of rich employment data, updated in real time, allow you to be notified of new jobs, pay raises, or terminations as soon as they happen.

/marketing-website/v5/solutions_pages/notifications
Notifications

Proactively encourage deposit switching for newly employed users, or know well in advance when the amount deposited in a user’s account is about to change.

/marketing-website/v5/solutions_pages/verification
Better value

Save on usage fees when you combine Paycheck-Linked Lending with Verification of Income and Employment.

half circle

Industry-leading coverage

175M+

US employees

80%

of the US workforce

1.75M

Employers

75%

of the Fortune 500

400+

Payroll and gig platforms

Frequently asked questions
What is paycheck-linked lending?
What is the best way to explain it to my customers?
Where in the application process should I leverage Argyle?
GDPR logos

Enterprise-grade security and compliance

We operate with the highest security and utmost transparency. We are Soc 2 Type 2 certified and more.

Learn more about using Argyle for Paycheck-Linked Lending

Integration guide
How to Integrate Argyle for Paycheck-Linked Lending Into Your Application
/marketing-website/v5/solutions_pages/docs
Case study
How One Lender Uses Argyle’s Two-Step Process to Fortify Underwriting & Increase Conversions
/marketing-website/v5/solutions_pages/argyle_gray
Case study
Empowering Gig Economy Workers to Reach Their Financial Goals
/marketing-website/v5/solutions_pages/moves
icon

Invite borrowers to allocate part of their paycheck to their loan in a single click.

Questions?