Personal loans

API-first software for personal loans

Offer secured or unsecured personal loans with Peach's modern loan management and servicing platform. Peach provides flexible lending constructs, support with compliance risk and fair lending regulations, and configurable hardship and loan modification capabilities.

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Trusted by top lending innovators
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Supported personal loan constructs

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Installment loans

Build an installment lending program—whether secured or unsecured—helping consumers power big purchases like education, furniture and home renovation.

house

Home improvement loans

Give homeowners the capital to make home improvements, including solar installation. Offer the flexibility of multiple advances or stage funding, either through our line of credit construct or through an installment loan with multiple disbursements.

cash

Cash advances

Give workers access to capital before they get paid through a single-term loan. For borrowers who need more time to pay, cash advances can be converted into installment loans, with fully configurable interest and fees.

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Private student loans

Give students financial flexibility as they take on their education. You can structure student loans as an installment-based refinance product, or as an installment loan with multiple disbursements. You’ll have the tools to defer interest accrual and defer payments as needed.

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Retail installment contracts

Retail installment contracts or retail installment sales contracts (RISCs) give shoppers an easy way to finance big-ticket items—under a different regulatory framework than buy now, pay later. Our data model includes merchant ID and MDR accounting.

UI of Peach Loan Capture Installment Solution

Harness the power of our Multi-Capture Installment Loan™ solution

Many merchants don’t process an entire transaction all at once—for example, when items ship separately or when a travel purchase includes multiple subvendors. A traditional installment loan can’t accommodate these frequent BNPL use cases, but our Multi-Capture Installment Loan can.

  • Easily accommodate multiple items
  • Give customers more flexibility in where to shop
  • Decide how additional items modify repayment terms
Partnerships

Partnerships and integrations

We’ve partnered with many of the foremost technology, servicing and reporting companies to make it easier for you to launch and scale lending programs.

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We partner with Visa to make it easy for issuers to launch new lending programs, whether for BNPL or another asset class.

Visa Fintech Partner Connect
Visa Ready for BNPL
mastercard

We support lenders in developing buy now, pay later (BNPL) solutions leveraging the Mastercard Installments program.

Mastercard Engage Partner Network
Visa Ready for BNPL
lithic logo

Lithic supports you with virtual, physical and digital wallet cards—whether prepaid, debit or credit cards.

Card issuance
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Lithic supports you with virtual, physical and digital wallet cards—whether prepaid, debit or credit cards.

Loan origination
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Marqeta allows you to instantly issue and process card paymentswith their open API platform.

Card issuance
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Marqeta allows you to instantly issue and process card paymentswith their open API platform.

Card issuance

Your unified loan servicing system

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Adaptive Core™

Our fully configurable loan management system gives you theability to launch highly flexible lending products in virtually anyasset class.

Loan Replay™
Virtually any asset class
Reporting
Immutable ledger
250+ configuration variables
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Servicing suite

Leverage our end-to-end, fully integrated suite of proprietary loan servicing software tools, from CRM to borrower portalto collections.

Borrower Portal
Communications
CRM
Payment processing
First-party collections
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Compliance Guard™

Borrower status monitoring and scanning of outbound communications help you stay compliant with federal andstate regulations.

Borrower status monitoring
Customizable rules
Payment processing
Federal, state and local
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Featured Whitepaper

5 reasons lenders need adaptive infrastructure

Peach's Adaptive Core™ gives lenders a new paradigm in loan management, enabling them to continually test and iterate, even at scale, and to continually launch new lending programs with speed and flexibility.

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Security

Built for security and compliance

Our loan management and loan servicing software is compliant withSOC 1 Type 1, SOC 1 Type 2, SOC 2 Type 2, PCI DSS Level 1 andHIPAA. We practice defense-in-depth security architecture andemploy best-in-class practices and tools to maintain security onall levels.