Loan management software for the full loan lifecycle
From origination to collections, eCheckTrac gives lenders the tools to run every product line — with compliance, reporting, and payment processing built in.
Loan types supported
Create an unlimited number of custom consumer loan programs across every model you offer. View all loan types.
Payday & Cash Advance
End-to-end management for storefront and internet-based payday lending, with a comprehensive rules engine and cash drawer management.
Learn moreInstallment Loans
Interest-bearing and precomputed loans with standard amortization, interest-only payments, or Rule of 78's, plus automated odd-days interest.
Learn moreTitle Loans
Manage vehicle title lending with tools to track repossessed inventory, manage professional partners, and flag delinquent accounts.
Learn moreRevolving Line of Credit
A configurable open-ended credit product with automated statement cycling and adjustable credit limits.
Learn moreCSO / CAB Model
Full support for CSO and CAB models, including periodic CSO fee payments over the life of a loan.
Learn moreInternet Storefront
Online lending with instant debit card funding, customer portal, document uploads, secure e-signature links, and lender admin tools.
Learn morePowerful features for daily operations & compliance
Web-Based Access
Compatible with Chrome, Firefox, Safari, Edge, and Opera — accessible anywhere.
State Database Integration
Certified and integrated with all state compliance databases.
State Audit Reports
State-specific audit reports to satisfy examiner requirements with ease.
ACH & Payment Processing
Automated ACH, instant funding to debit cards, and integrations with Advantage ACH, Intercept EFT, Repay, and Loan Payment Pro.
Instant Debit Card Funding
Fund approved loans directly to debit cards across all transaction types — especially valuable for Internet Storefront and online origination.
General Ledger
Detailed ledger tracking principal, NSF principal, interest, and NSF interest.
Rules Engine
Manage origination fees, odd-days interest, and custom payment allocations.
Document Management
Custom contracts and receipts generated and stored per loan.
Automated Notifications
SMS via Solutions By Text plus automated borrower reminders and alerts.
Delinquency Management
Track and manage past-due accounts with remote auditing to reduce fraud.
Connected to the partners you already use
Ready to modernize your lending operation?
Request a free demo and see how eCheckTrac fits your product lineup and compliance needs.