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Faster loan approvals
Case Study/Capital Auto Loan
Secure Plaid-verified approvals for auto lending.
We built a Plaid income verification flow that helps process auto-loan applicants and cuts manual underwriting — turning days of back-and-forth into minutes.
Client
Capital Auto Loan
Industry
Auto Lending
Services
Plaid Income
Timeline
4 weeks to launch
app.capautoloan.com
The Results
Faster decisions, far less manual work.
70%
Less manual underwriting
<5 min
Applicant verification
100%
Plaid-verified income
The Challenge
Underwriting ran on paystubs, PDFs, and phone calls.
Every applicant meant chasing documents, eyeballing income, and waiting days for a decision. Manual review was slow, inconsistent, and didn't scale with the dealer pipeline — costing approvals.
What We Built
A Plaid-powered verification flow.
Applicants connect their bank through Plaid Link in minutes. The platform supports income report requests through Email or SMS and gives administrators clear Income Reports and Income Summaries for review.
Inside the Build
A closer look at the product.
Request Income Report
Loan staff can send income report requests by Email or SMS from a single request form.
Plaid Link Connection
Applicants securely connect bank accounts through Plaid Link after entering their basic details.
Admin Reporting Views
Admin users can review Income Reports and Income Summaries tables with filtering and report actions.
Plaid Income Report
Generated Plaid Bank Income Reports open as downloadable PDFs for underwriting review and record keeping.
Scope of Work
What we delivered.
From scoping to a secure production launch — built, integrated, and handed off to the Capital Auto Loan team.
Plaid Link integration (income)
Automated income verification
Income report request workflow
Underwriter review dashboard
Secure data handling & audit trail
Production launch + team hand-off
Security and infrastructure.
Capital Auto Loan needed more than a polished Plaid integration. The platform was built with strict separation, encryption, monitoring, and minimal data storage from the start.
Security was treated as a core product requirement, not an afterthought. Every layer was designed to reduce exposure, protect sensitive financial data, and give Capital Auto Loan a system they could trust in daily operations.
Only Capital Auto Loan administrators can access the data, and the application stores the minimum information necessary to reduce risk while still supporting underwriting review.
Application stack
Built with Next.js, TypeScript, and Tailwind CSS for a modern, reliable, and maintainable web application.
AWS infrastructure
Hosted on an AWS EC2 server instance, with generated income report PDFs uploaded securely to an AWS S3 bucket.
Isolated containers
Orchestrated with Docker containers so application services stay separated and easier to control.
PostgreSQL backups
Backed by a PostgreSQL database with daily database backups to support recovery and operational continuity.
Double encryption
Sensitive data is protected in transit and at rest, reducing exposure across storage and transmission paths.
Monitoring and access control
Sentry and AWS CloudWatch Logs support visibility, while access is limited to Capital Auto Loan administrators.
How We Work
Structured and transparent, scope to launch.
01
Contact & Scope
We map the use case, data, and success criteria together.
02
Quote & Timeline
A clear, fixed plan so you know cost and delivery up front.
03
Build & Integrate
Production-grade Plaid integration with regular check-ins.
04
Launch & Hand-off
Secure go-live, documentation, and a clean hand-off.
Questions & Answers
About the Capital Auto Loan build.
What problem did Capital Auto Loan need to solve?
Underwriting ran on paystubs, PDFs, and phone calls. Every applicant meant chasing documents, eyeballing income, and waiting days for a decision. Manual review was slow, inconsistent, and did not scale with the dealer pipeline.
How do applicants complete income verification?
Loan staff send an income report request by email or SMS. The applicant opens the link, enters basic details, and connects a bank account through Plaid Link. Verification typically finishes in under five minutes instead of days of back-and-forth.
Which Plaid product powers the Capital Auto Loan platform?
The platform uses Plaid Income. After the applicant connects through Plaid Link, HumbleDevs generates a Plaid Bank Income Report that underwriters can open as a downloadable PDF for review and record keeping.
What do underwriters see after an applicant connects?
Administrators review Income Reports and Income Summaries in a filtered table, then open the generated Plaid Bank Income Report PDF. Access is limited to Capital Auto Loan administrators, and the application stores only the minimum data needed for underwriting.
How long did the Capital Auto Loan build take?
HumbleDevs delivered the Plaid Income verification flow in four weeks, covering the request workflow, Plaid Link connection, underwriter dashboards, AWS infrastructure, and production hand-off.
Client Feedback
“Applications that used to take days now clear in minutes. Our team spends time on real edge cases instead of chasing paperwork — and applicants notice the difference.”
Nate Arnold
Capital Auto Loan
Planning a Plaid integration?
Tell us about your use case and we'll respond with a clear next step — scope, timeline, and a path to secure production launch.