Digital lending
Add loan documents

Supporting loan documents

8min

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 same file naming convention is used for both Loan/{Id}/Attachments and Preapproval/v2/applications/{id}/attachments

Use the following file name conventions:

  • {ArixLoanGUID}-{Suffix}.{File Extension}
  • {ArixPreapprovalGUID}-{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.

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

Certificate of Citizenship

-CertificateCitizenship

Court approved name change

-NameChangeCert

Credit card

*As a secondary form of ID only

-CC

Credit report

-CR

Debit card

* As a secondary form of ID only

-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 a secondary form of ID only

-SC

State Issued ID

-SID

Utility Bill

-UtilityBill

Work visa

-WorkVisa

Credit documents

Type

Suffix

Bankruptcy Watch

-BankruptcyWatch

Credit memo

-CreditMemo

Credit report

-CR

Credit report (hard pull)

-CR_HP

Credit report (soft pull)

-CR-SP

Credit report( MLA)

-MLA

Experian Instant Prescreen

-EXPInstantPrescreen

Pagaya credit model

-CRM_PGY

Scienaptic.ai credit decisioning

-Scienaptic

Underwriting Checklist

-UWChecklist

Loan documents and disclosures

Type

Suffix

Adverse Action Notice

-AAN

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

Business Tax Return

-BusinessTR

Credit card balances

-CreditCardBalances

Credit card statement

-CreditCardStatement

Form 1099

-MI

Customer's payment history

-CustomerPayments History

Form W2

-W2

Pay stub

-PS

Pension/retirement benefit statement

-RS

Plaid Assets

-PlaidAssets

Plaid Income Verification

-PlaidIncome

Point Predictive Income Validation

-PointPredicitveIncome

Previous pay stub

-PayStubPrevious

Social Security Award letter (SSA)

-SS

Tax lien release

-TaxLienRelease

Personal Tax Return

-TR

The Work Number Suffix

-TWN

Truv Income and employment

-truvi

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 documents

-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 gIndentity

-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 RiskView Credit Solutions

-LNRiskView

LexisNexis Small Business Credit Report with SBFE Data

-LNSmallBusinessCRSBFE

Middesk Verification

-MiddeskVerfication

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



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