RepayIQ
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For Individuals

See your RepayIQ score before your landlord or lender does.

Run the same cash-flow check on yourself that businesses use to approve applicants. Bank data, not paystubs. Real numbers, not estimates.

One-time payment. No subscription. Report ready in under 60 seconds.

My RepayIQ ReportLow Risk
78/100
Verified Income$5,800 / mo
Safe Payment Range$800 – $1,450
Liquidity BufferAdequate
Payment scenario (3 of 5 used)
$1,200$1,500$1,800
Bank-level encryption
Read-only access
Applicant consent required
No data stored
SOC 2 Ready
Powered by Plaid

What You Get

One report. Everything you need.

Your RepayIQ Self-Check report is based on verified bank data — not estimates, not credit scores. You see exactly what a lender, landlord, or dealer would see if they ran a RepayIQ verification on you.

RepayIQ Score (0–100)
Verified income estimate
Payment capacity range
Up to 5 payment scenarios
PDF download
Your data stays private

Self-Check

$39one-time

No subscription. Pay once, own your report.

1 full verification & report
Up to 5 payment scenarios
Verified income analysis
Payment capacity range
Risk score (0–100)
PDF download & sharing
Report valid for 30 days

Secured by Stripe · Bank-level encryption

How It Works

Five steps to know exactly where you stand

Create your account

Sign up in under a minute. Just your name, email, and a password — no business info required.

Pay once — $39

One flat fee unlocks your full verification and report. No subscription, no hidden charges.

Connect your bank

Link your bank account securely via Plaid. Read-only access — no credentials stored, no data shared without your consent.

Get your report

RepayIQ analyzes 90 days of real transactions and generates your score, income verification, and payment capacity range in under 60 seconds.

Test your scenarios

Adjust the requested payment amount up to 5 times to see how different loan, rent, or car payment amounts fit your financial profile.

Who It's For

Anyone applying for a payment obligation

Car buyers

Know before you visit the dealership

Find out your actual payment capacity so you can negotiate with confidence and avoid getting approved for a payment you can't sustain.

Renters

Strengthen your rental application

Show a landlord or property manager a verified income report before they ask. Get ahead of the approval process.

Loan applicants

Understand what you qualify for

Before applying for a personal loan, BNPL plan, or in-house financing, understand exactly where your financial profile stands.

HOA applicants

Verify capacity for monthly dues

Condo associations and HOAs increasingly review financial capacity. Know your numbers before the application.

Are you a business?

RepayIQ also helps dealers, landlords, lenders, and HOAs verify applicants.