Personal Loans

Predict the likelihood of personal loan payments to reduce defaults. Drive lift in your risk models for personal loans with Cashflow Attributes and Scores.

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Applications
Emergency Loans
Overdraft Protection
Micro Loans
Overdraft Line of Credit
Debt Consolidation Loans
Peer-to-Peer (P2P) Loans
Installment Loans
smarter lending

Increase growth with Cashflow-driven Analytics and Scores

Enhance risk models for personal loans with the Personal Loan Score and Cashflow Attributes.

Improve accuracy in risk models

Enhance proprietary models with Cashflow-driven Attributes and Scores to more accurately assess borrower affordability, identify healthy borrowers, and unlock new segments.

Track accounts in real-time

Track real-time income stability, spending, and financial health to adjust loan amounts, foster growth, and proactively mitigate risks before they impact your portfolio.

Personalize payment plans

Align payment schedules with borrowers' income to improve on time payments and reduce risk.

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Cashflow Scores

Offer higher amounts and drive growth with our Cashflow Scores, built on Cashflow Attributes and repayment history. Increase approvals and retention by identifying healthy, underserved borrowers.

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Cashflow Attributes

Drive lift in your risk models to boost approvals with thousands of pre-built attributes built on  our expansive loan performance dataset.

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Cashflow Analytics

Automate processes to increase approvals and serve more borrowers using Pave’s real-time Cashflow Analytics. Streamline operations and identify healthy, underserved borrowers.

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Cashflow Analytics in Snowflake

Gain seamless access to cashflow data within Snowflake to enhance analysis and decision-making. Leverage Pave’s standardized tables, updated daily, to uncover insights without complex ETL.

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Use Cashflow Analytics to gain a competitive edge

Tailor risk decisions to users’ likelihood and ability to pay, ensuring optimal outcomes for both lenders and borrowers.

Reduce delinquencies

Leverage Pave’s Personal Loan Score, trained on an extensive dataset of loan payments and delinquencies, to enhance your risk models.

Optimize loan pricing

Align loan terms with borrowers’ likelihood and ability to pay by dynamically adjusting pricing with our Income Prediction Model.

Verify application data

Improve income assessment accuracy and reduce first-party fraud with our Income Prediction Model.

Predict borrower intent

Identify when users have changes in affordability or are taking on new credit to enable precise targeting and timely loan offers.

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Related Posts

Announcing the new Small Dollar Loan Score

We’re excited to announce our new Small Dollar Loan Score. The Small Dollar Loan Score evaluates the probability of a user making their first four small dollar loan payments.
Amelia Chikota
May 17, 2024

Retrieve a complete view of users’ liabilities with the new Liabilities Endpoint

This endpoint ingests data from multiple data sources and returns a complete, accurate, and up-to-date view of a user’s liabilities.
Julia Puzzo
Apr 28, 2023

Understand User Cashflow with the Attributes Endpoint

The attributes endpoint provides hundreds of ready-made attributes that describe a user’s cashflow and financial health for various use cases.
Alain Shema
Oct 26, 2022
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Drive growth with Cashflow-driven Analytics

Use our Cashflow-driven Attributes and Scores to provide timely, borrower-specific insights tailored to your lending criteria. Make informed decisions that enhance approval rates and loan performance.

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