Supporting loan documents

The documents below are acceptable as identification to support the loan process.

If you send in a loan with attachments and the loan remains in the status Received, instead of moving into the status DocsComplete, check the naming format.

The naming format of the attached documents is checked by a regex to verify that we received the required documents in the correct naming format. If we didn't receive the required documents or they weren't named properly, the loan will stay in Received.

The naming convention format of a document should be as follows:
{ArixLoanGUID}-{Suffix}.{File Extension}

For example:
The credit report pdf for loan:
c5d3412a-f373-467b-b10f-7200e5e7582d should be named c5d3412a-f373-467b-b10f-7200e5e7582d-CR.pdf

For more information about adding loan documents, click here.

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Note

We prefer that you send documents by XML or JSON. If necessary, you can send documents by PDF. The format needs to be agreed upon during the integration process.

Identification documents

Document type

Naming convention suffix

Credit report

-CR

Drivers license

-DL

Passport

-PP

Permanent resident card

-RC

Work Visa

-WorkVisa

Debit card
As secondary form of ID

-DC

Credit card
As secondary form of ID

-CC

Social Security card
As secondary form of ID

-SC

Selfie
Used to verify the ID

-SLF

State Issued ID

-SID

Proof of Address
jpeg, jpg, png or pdf provided as POA

-POA

Rental Lease Agreement

-LeaseAgreement

Miscellaneous ID documents

-MID

Credit documents

Document type

Naming convention suffix

Credit report

-CR

Credit report (soft pull)

-CR-SP

Credit report (hard pull)

-CR_HP

Pagaya credit model

-CRM_PGY

Loan documents and disclosures

Document type

Naming convention suffix

Promissory note

-PN

Truth in Lending agreement

-TL

Loan Agreement

-LA
(contains Truth in Lending agreement and Promissory Note)

Loan Application

-LApp

Preauthorized Transfer

-PreAuthTrn
(for customer facing authorization requests)

Credit Score Disclosure Notice

-CreditScoreDisclosure

Miscellaneous loan documents

-MiscLoanDocs

Income verification documents

Document type

Naming convention suffix

Pay stub

-PS

Additional pay stub

-PayStubAdditional

Previous pay stub

-PayStubPrevious

Tax return

-TR

Tax lien release

-TaxLienRelease

Form W2

-W2

Social Security Award letter (SSA)

-SS

Pension/retirement benefit statement

-RS

Bank statement

-BS

Bank transaction history

-BankTransactionHistory

Credit card statement

-CreditCardStatement

Credit card balances

-CreditCardBalances

Form 1099

-MI

Various income verification documents

-IV

Other documents for verification

Document type

Naming convention suffix

Voided check

-VC

Education-related document

-ED

Call Center Call log

-CallLog

Trusted 3rd party documents

Document type

Naming convention suffix

LexisNexis

-LN

LexisNexis FraudPoint

-LNF

LexisNexis InstantID

-LNI

LexisNexis OFAC

-LNO

LexisNexis Emailage

-LNEmail

Yodlee

-YOD

Equifax eID

-EID

TransUnion TLO

-TLO

TransUnion IDVision

-IDV

TransUnion TruValidate

-TVAL

Experian PreciseID

-PID

GIACT

-GCT

GIACT gVerify

-GV

GIACT gIdentity

-GI

GIACT gAuthenticate

-GAuth

Clarity

-CTY

Socure

-SO

Thomson Reuters Clear ID

-TRCID

Alloy Identity Decisioning Platform

-ALY

Onfido Facial Similarity

-OFS

SentiLink Synthetic -
Fraud-Scores

-SNTLF

Cognito Identity Verification and Watchlist Screening

-CGNTIDWS

Bureau Van Dyke - Review

-BVDReview

Pinwheel Employment Verification

-PEV

DecisionLogic Income Verification

-DcsnLgcIV

Comply Advantage

-CmplyAdvt

SentiLink eCSBV service

-eCBSV

Ekata Account Opening

-EkataAccount


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