Supporting loan documents
The documents listed below are acceptable to support the loan process.
The file-name format of the attached documents is checked by a regex to verify that we received the required documents in the correct file-name format. If we either didn't receive the required documents or they weren't named properly, the loan will remain in Received status, instead of moving into DocsComplete status.
The file-name convention format 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.
Note
We prefer that you send documents by XML or JSON. If necessary, you can send PDF documents. However, the file-name format must be agreed during your onboarding process.
Identification documents
| Type | Suffix |
|---|---|
| Court approved name change | -NameChangeCert |
| Credit card As secondary form of ID | -CC |
| Credit report | -CR |
| Debit card As secondary form of ID | -DC |
| Drivers license | -DL |
| Insurance card | -InsuranceCard |
| Marriage Certificate | -MarriageCert |
| Military ID | -MilitaryID |
| Miscellaneous ID documents | -MID |
| Passport | -PP |
| Permanent resident card | -RC |
| Proof of Address jpeg, jpg, png or pdf provided as POA | -POA |
| Rental Lease Agreement | -LeaseAgreement |
| Selfie Used to verify the ID | -SLF |
| Social Security card As secondary form of ID | -SC |
| State Issued ID | -SID |
| Utility Bill | -UtilityBill |
| Work Visa | -WorkVisa |
Credit documents
| Type | Suffix |
|---|---|
| Bankruptcy Watch | -BankruptcyWatch |
| Credit report | -CR |
| Credit report (hard pull) | -CR_HP |
| Credit report (soft pull) | -CR-SP |
| Credit report (MLA) | -MLA |
| Pagaya credit model | -CRM_PGY |
| Underwriting Checklist | -UWChecklist |
Loan documents and disclosures
| Type | Suffix |
|---|---|
| Credit Score Disclosure Notice | -CreditScoreDisclosure |
| Loan Agreement | -LA (contains Truth in Lending agreement and Promissory Note) |
| Loan Application | -LApp |
| Miscellaneous loan documents | -MiscLoanDocs |
| Preauthorized Transfer | -PreAuthTrn (for customer facing authorization requests) |
| Promissory note | -PN |
| Truth in Lending agreement | -TL |
Income-verification documents
| Type | Suffix |
|---|---|
| Additional pay stub | -PayStubAdditional |
| Bank statement | -BS |
| Bank transaction history | -BankTransactionHistory |
| Credit card balances | -CreditCardBalances |
| Credit card statement | -CreditCardStatement |
| Form 1099 | -MI |
| Customer's payment history | -CustomerPaymentsHistory |
| Form W2 | -W2 |
| Pay stub | -PS |
| Pension/retirement benefit statement | -RS |
| Plaid Assets | -PlaidAssets |
| Plaid Income Verification | -PlaidIncome |
| Point Predictive Income Validation | -PointPredictiveIncome |
| Previous pay stub | -PayStubPrevious |
| Social Security Award letter (SSA) | -SS |
| Tax lien release | -TaxLienRelease |
| Tax return | -TR |
| Various income verification documents | -IV |
Other documents for verification
| Type | Suffix |
|---|---|
| Call Center call log | -CallLog |
| Carta Borrower Stock Ownership | -CartaBorrowerStockOwnership |
| Carta Secured Collateral | -CartaSecuredCollateral |
| Education-related document | -ED |
| Voided check | -VC |
Trusted 3rd-party documents
| Type | Suffix |
|---|---|
| Alloy Identity Decisioning Platform | -ALY |
| Bureau Van Dyke - Review | -BVDReview |
| Clarity | -CTY |
| Cognito Identity Verification and Watchlist Screening | -CGNTIDWS |
| Comply Advantage | -CmplyAdvt |
| DecisionLogic Income Verification | -DcsnLgcIV |
| Ekata Account Opening | -EkataAccount |
| Equifax eID | -EID |
| Experian PreciseID | -PID |
| GBG PLC Identity Data Verification | -GBGDataVerification |
| GIACT | -GCT |
| GIACT gAuthenticate | -GAuth |
| GIACT gIdentity | -GI |
| GIACT gVerify | -GV |
| idiCORE | -idiCORE |
| Inscribe fraud document detection | -Inscribe |
| LexisNexis | -LN |
| LexisNexis Emailage | -LNEmail |
| LexisNexis Fraud Intelligence | -LNFraudIntel |
| LexisNexis FraudPoint | -LNF |
| LexisNexis InstantID | -LNI |
| LexisNexis OFAC | -LNO |
| LexisNexis Small Business Credit Report with SBFE Data | -LNSmallBusinessCRSBFE |
| Middesk Verification | -MiddeskVerification |
| Onfido Facial Similarity | -OFS |
| PassFort | -PassFort |
| Persona Verifications | -Persona |
| Pinwheel Employment Verification | -PEV |
| Plaid Auth Bank Accounts | -PlaidAuth |
| Prove Trust Score | -ProveTrustScore |
| SentiLink eCSBV service | -eCBSV |
| SentiLink Synthetic - Fraud-Scores | -SNTLF |
| Socure | -SO |
| Thomson Reuters Clear ID | -TRCID |
| TransUnion TLO | -TLO |
| TransUnion IDVision | -IDV |
| TransUnion TruValidate | -TVAL |
| Yodlee | -YOD |
Updated about 2 months ago