How does the Loan Origination System handle instant decisions for personal loans?

Our LOS features a powerful decision engine that you configure based on your credit policies. When an application is submitted, it instantly pulls credit, analyzes data against your rules, calculates debt-to-income ratios, and returns an approval, decline, or counter-offer in seconds.

Can the LOS integrate with data sources for income and identity verification?

Yes. To reduce fraud and manual work, our system integrates with leading third-party data providers for automated income verification (using payroll data) and identity verification (KYC/AML checks), streamlining your underwriting process.

Does the system support both unsecured and secured personal loans?

Absolutely. The Lendisys LOS is flexible, allowing you to create distinct workflows and underwriting rules for both unsecured personal loans and secured installment loans, such as those secured by a vehicle or other personal property.

How is the interest rate determined within the LOS?

Our platform supports dynamic, risk-based pricing. You can configure your rate matrix within the system, and the LOS will automatically assign an interest rate to an approved applicant based on their credit score and other risk factors you define.

The Loan Origination System for Modern Personal Lending

Launch, manage, and scale your personal loan products with unparalleled speed and efficiency. The Lendisys LOS provides a fully digital, automated platform to deliver the fast, frictionless borrowing experience that today's consumers demand.

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Features of Our Personal Loan Origination System

Our platform is built to handle the high-volume, high-speed nature of personal lending, with tools designed to automate decisions and reduce friction.

Instant Credit Decisioning

Our powerful decision engine analyzes applications against your unique credit policies in seconds, providing instant approvals and reducing manual underwriting time.

Fully Digital Application

Offer a seamless, branded online application that borrowers can complete in minutes from any device, dramatically reducing abandonment rates.

Dynamic Risk-Based Pricing

Automatically assign interest rates and loan terms based on your configured pricing matrix, ensuring you offer the right price for every borrower's risk profile.

Originate Smarter, Not Harder

Our Loan Origination System provides a clear path to a more profitable and efficient personal lending operation.

Increase Conversion Rates

By providing a fast, simple, and transparent application process, you reduce borrower friction and significantly increase the number of completed applications.

Mitigate Fraud & Risk

Integrate with leading third-party services for automated income and identity verification, adding a powerful layer of security and due diligence to your origination process.

Lower Cost to Originate

Automation is at the core of our LOS. By minimizing manual touchpoints in underwriting, document handling, and communication, you can scale your operations efficiently.

The Personal Loan Journey, Redefined

Our Loan Origination System creates a fast, simple, and fully digital path from a borrower's first click to the moment funds are in their account.

Apply in Minutes

Borrowers complete a simple, intuitive online application from any device, at any time.

Instant Decision

The LOS pulls credit, runs your underwriting rules, and provides an immediate decision and offer.

E-Sign Documents

Approved borrowers review and securely sign all loan documents electronically, without any paperwork.

Fast Funding

Once documents are signed, the LOS finalizes the loan and triggers the funding process for rapid disbursement.

Your Credit Policy, Your Rules

Our Loan Origination System is built for flexibility. We partner with you to configure the platform's decision engine, risk-based pricing, and workflows to perfectly match your institution's unique credit strategy and target borrower segments.

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Your Personal Lending Questions, Answered

Explore common questions about how the Lendisys Loan Origination System can enhance your personal loan operations.

Ready to Modernize Your Personal Lending?

Stop losing applicants to slow, clunky processes. Discover how the Lendisys LOS can help you increase conversions, reduce fraud, and grow your personal loan portfolio with confidence.
Schedule your personalized demo today.

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