Built for volume, without losing oversight
Payday lending runs on speed: fast decisions, fast disbursement, fast turnover. That volume is exactly where manual oversight breaks down. CreditOnline automates the decision and disbursement pipeline so throughput doesn’t come at the cost of control.
Regulatory limits, enforced automatically
Payday lending is one of the most tightly regulated consumer credit categories in the EU and UK; APR caps, maximum rollover counts, and mandatory cooling-off periods vary by jurisdiction and change over time. Those limits are configured once per product and enforced automatically at every loan, rather than relying on staff to apply them correctly case by case.
Reminders and collections on autopilot
Late payment is the normal case in short-term lending, not the exception. Reminder sequences run automatically before and after the due date, across SMS, email, or in-app channels, with rollover eligibility and fees applied according to the rules you’ve configured.
Decisioning at scale
The solvency assessment engine runs configurable scoring algorithms against applicant data and live bureau checks, built to process high application volumes without a proportional increase in underwriting headcount.