How Glide and Array Partner Together

Overview

Glide is proud to partner with Array, a leading embedded fintech platform trusted by hundreds of financial institutions. Array powers the credit data inside the Glide experience, connecting Glide to all three major credit bureaus (Experian, Equifax, and TransUnion) through soft credit pulls.

Since 2024, this partnership has helped credit unions and banks across Glide's client base deliver faster decisions, smarter offers, and a more transparent experience for members. Glide and Array are a natural fit: Glide delivers a best-in-class point-of-sale experience for membership and loan applications, and Array brings enterprise-grade credit data infrastructure behind it. Together, your institution gets the strengths of both, and many of our shared clients extend the relationship with Array's broader product suite.

How Glide Uses Array

Glide uses Array within the application layer. When an applicant applies through Glide, Array powers a soft credit pull, with the applicant's consent, at the point of application. That single pull supports two things:

Pre-qualification. Your institution receives the applicant's credit data alongside the application, so Glide can pre-qualify applicants and present relevant loan offers in the moment, while the applicant is most engaged. Because it's a soft pull, there is no impact to the applicant's credit score and no hard inquiry on their file. The result: more qualified offers, better conversion, and a friction-free experience for the applicant.

Decisioning. For institutions with auto-generation of credit reports enabled, the same soft pull can power automated decisioning rules on the application. Glide supports over 200 credit report attributes, spanning account history, balances, credit utilization, delinquencies, inquiries, collections, and public records, so your team can encode your existing underwriting criteria directly into the application flow and route applications automatically.

Member-facing credit score. After submitting an application, the applicant sees their credit score and score history right on Glide's onboarding page. This point-in-time view gives members transparency into their own data, builds trust in your institution, and is consistently one of the most appreciated moments in the Glide journey.

The Glide + Array integration is focused on consented soft pulls powering pre-qualification and member transparency. For institutions that want to go further, with ongoing credit monitoring, score simulators, and credit tools inside online banking, Array offers a full suite of products directly, described below.

Today, Glide supports VantageScore 3.0 through Array, with your choice of bureau per institution. Additional scoring models are on the roadmap; reach out to your Glide contact if you have a preference.

Other Ways Array Can Help Your Institution

The soft pull inside Glide is just one piece of what Array offers. Array has built one of the strongest embedded finance suites in the industry, with products that live inside your digital banking platform and direct integrations with the major providers, including Jack Henry (Banno) and Alkami. These are purchased directly from Array, and for our shared clients they pair naturally with the Glide experience:

My Credit Manager. Ongoing credit monitoring embedded in your online banking. Members get score change alerts, a score simulator, credit score factors, and debt analysis, keeping credit engagement inside your digital banking experience instead of third-party apps.

Offers Engine. Uses credit profile data to surface relevant, targeted offers to members inside digital banking, such as credit cards, pre-approved loans, and deposit products.

Identity Protect. Identity monitoring, dark web monitoring, alerts, insurance, and full identity theft restoration services for your members.

Debt Manager. A real-time, comprehensive view of a member's credit and loan accounts, helping members understand and manage their debt in one place.

Subscription and privacy tools. Subscription management and online privacy tools that help members find and cancel recurring charges and reduce their online data footprint.

Interested in Array's Products?

We'd love to connect you. If your institution wants to explore any of Array's offerings, Glide will make a warm introduction to a dedicated Array expert who knows the credit union and community bank space. Contact your Glide account manager or reach out to support@withglide.com, and we'll get you to the right person quickly.