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.
$2B+ in active loans across 50+ lenders
Supported personal loan constructs
Installment loans
Build an installment lending program—whether secured or unsecured—helping consumers power big purchases like education, furniture and home renovation.
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 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.
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.
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.
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 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.
Visa
We partner with Visa to make it easy for issuers to launch new lending programs, whether for BNPL or another asset class.
Mastercard
We support lenders in developing buy now, pay later (BNPL) solutions leveraging the Mastercard Installments program.
Lithic
Lithic supports you with virtual, physical and digital wallet cards—whether prepaid, debit or credit cards.
Qolo
Qolo gives you flexible, scalable debit, prepaid, and credit card solutions through direct access to major payment networks.
Marqeta
Marqeta allows you to instantly issue and process card payments with their open API platform.
Twilio
Leverage Peach's omnichannel communications templates to optimize and streamline servicing.
What your lending program actually runs on
One engine for every product you'll ever build
Your first product might be straightforward. Your third won't be. Both run on the same engine, no rearchitecting.
Regulations change. Your compliance keeps up.
FDCPA, SCRA, TCPA, UDAP, Reg F. Compliance Guard tracks them and adjusts. Your team focuses on lending, not chasing regulatory updates.
Change the past and keep the full audit trail
Backdate a payment. Correct an interest rate. Loan Replay™ recalculates forward from that moment. The original ledger stays intact.
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.
Your auditors will love you too
The boring-but-important stuff is already handled. Five certifications, zero surprises at audit time.
Ready to get started?
Let's get in touch. We'd love to hear what best-in-class lending program you're going to launch.
