
LendAPI offers a fully integrated Personal Installment Loans solution that simplifies loan originations, decision-making, and compliance. Its ready-to-use application flow template can be quickly customized with the Product Builder, and it connects seamlessly to standard loan management systems, identity verification bureaus, and credit bureaus.
The visual Decision Engine allows risk managers to set up, test, and deploy custom rules and variables for identity verification, bank account analysis, and credit checks—all within one interface. It also coordinates rule outcomes with customer communications and application workflow orchestration, aiming to maximize approval rates.
On the compliance front, LendAPI maintains essential documentation (e.g., consents, promissory notes) and offers state-by-state customization of rules, pricing, and documentation. All key records are stored for back-office reference and are accessible to customers via their portal, ensuring transparency and regulatory adherence.