{"id":13963,"date":"2019-11-18T11:25:21","date_gmt":"2019-11-18T11:25:21","guid":{"rendered":"https:\/\/habiletechnologies.com\/?p=13963"},"modified":"2022-07-22T10:44:01","modified_gmt":"2022-07-22T10:44:01","slug":"evolution-payday-loans-software-can-help-disburse-loan-5-minutes","status":"publish","type":"post","link":"https:\/\/wiki.cloudbankin.com\/index.php\/2019\/11\/18\/13963\/evolution-payday-loans-software-can-help-disburse-loan-5-minutes\/","title":{"rendered":"Evolution Of Payday Loans: How CloudBankIN Can Help Disburse A Loan In Less Than 5 Minutes"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Many are faced with unexpected financial difficulties when a day or even an hour seems too long to wait for a loan to get approved. This is one such instance where a payday loan could come in handy. Among the various finance choices to consider, more people have begun to take advantage of the benefits offered by payday loans.&nbsp;<\/span><\/p>\n<h2><b>What is a Payday Loan?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Several types of loans are available in the market serving different functions. A mortgage lender helps with the financing to purchase a house. A student loan provides financial backup for college. And when the instant loan is required, payday lenders, typically Non-Banking Financial Companies (NBFCs), fund loans online, helping solve short-term cash crunch.<\/span><br \/>\n<span style=\"font-weight: 400;\">A payday loan is a high-interest, short-term loan, which is usually repaid by loan borrower within a month, unless, being offered for a longer-term by the lender. In simple words, it\u2019s a prompt funding option that helps manage expenses between paychecks. Payday loans are best suited for any unforeseen and emergency expenditures such as non-priority bills, auto repair bills, overdrafts, and medical expenses, to name a few.&nbsp;<\/span><br \/>\n<span style=\"font-weight: 400;\">Each loan has distinctive approval and repayment conditions. A mortgage can be repaid over a few years, whereas, a college loan gives time to earn a degree and get employed before it comes due. Unlike these long-term financing options, payday loans offer fairly small funds that must be paid within a month. Since the entire approval process for payday loans is carried out online, it eliminates the need to visit a local bank branch to secure funds.&nbsp;<\/span><br \/>\n<span style=\"font-weight: 400;\">To cut a long story short, payday loans are<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Small loans with high-interest rates, for a shorter period, up to a month.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Designed to be paid back swiftly by payday.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Meant to be used for emergencies, not for living or fancy expenses.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Inexpensive and may provide great relief, if used wisely.<\/span><\/li>\n<\/ul>\n<h2><b>Benefits of Payday Loans<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">In recent years, <\/span><strong><span style=\"color: #ff0000;\"><a style=\"color: #ff0000;\" href=\"https:\/\/en.wikipedia.org\/wiki\/Payday_loans_in_the_United_States\">payday loans<\/a><\/span><\/strong><span style=\"font-weight: 400;\"> have surpassed other types of short-term loans by providing the following advantages:&nbsp;<\/span><\/p>\n<h4><b>Convenience<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">With busy lifestyles, most people don\u2019t have sufficient time to visit brick and mortar banks locations. One of the most encouraging things about payday loans is the ability to apply and receive the funds without visiting the lenders personally. All it requires is a computer or a Smartphone with internet access.&nbsp;<\/span><\/p>\n<h4><b>Secure<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">As the Consumer Financial Protection Bureau (CFPB) regulates the payday loan industry, a loan borrower is guaranteed on data security. With the introduction of CFPB\u2019s stringent data protection guidelines, payday loan providers\u2019 offer elevated security against data breaches.<\/span><\/p>\n<h4><b>Easy to apply<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Unlike traditional loans that require a lot of paperwork, payday loans have plain, easy application processes that are easy to understand and complete.<\/span><\/p>\n<h4><b>No credit score or collateral requirements<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Neither any kind of security nor a high credit score is required to secure a payday loan. As long as the borrower has a valid id proof and income proof, one can get the funds without any hassle.<\/span><\/p>\n<h4><b>Affordable<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">In the past few years, the CFPB regulation has introduced stiff competition in the financial sector thereby making such payday loans more affordable now than ever before.&nbsp;<\/span><\/p>\n<h4><b>Speed<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">With the help of payday loan software, lenders, including NBFCs, offer loans in less than 5 minutes. Being fully automated, these loans are verified, approved, and disbursed within minutes.<\/span><\/p>\n<blockquote><p>You May Also Like: <a href=\"https:\/\/habiletechnologies.com\/blog\/why-should-you-use-a-cloud-based-loan-management-software\/\">Why Should You Use A Cloud-Based Loan Management Software?<\/a><\/p><\/blockquote>\n<h2><b>Recent Changes in the Payday Loan Industry<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The payday loan industry has changed tremendously over the years. In a typical scenario, payday loans work in a way where lenders offer small funds to borrowers who promise to repay the loans by their next paycheck. According to a&nbsp;<\/span><span style=\"color: #ff0000;\"><strong><a style=\"color: #ff0000;\" href=\"https:\/\/files.consumerfinance.gov\/f\/201304_cfpb_payday-dap-whitepaper.pdf\">2013 report by the CFPB<\/a><\/strong><\/span><span style=\"font-weight: 400;\">, interest on these loans has an annual percentage rate of <strong>390 plus percent<\/strong>. Another report from&nbsp;the following year&nbsp;showed that within two weeks, almost<strong> 80% of payday loans<\/strong> are rolled over into another loan. According to a study by <strong>Pew Research in 2016<\/strong>, more than <strong>12 million Americans<\/strong> use payday loans each year that generate over <strong>$9 billion<\/strong> in revenue for lenders.<\/span><br \/>\n<span style=\"font-weight: 400;\">Earlier, the borrowers were unaware of how much<\/span> <span style=\"font-weight: 400;\">their loan would cost them if they miss one or more payments. This lack of transparency let borrowers make an ill-informed decision, leading to the increased debt over time. To protect the most vulnerable borrowers from the ballooning debt that amasses with payday loans, in the year 2016 &#8211; under the presidency of <strong>Barack Obama<\/strong> &#8211; a rule had been proposed to crack down on so-called \u2018<strong>predatory lending<\/strong>\u2019. Under this rule, the lenders would be required to determine whether their customers could pay off the loans on time or not. It would also limit the payday lenders to a maximum of two attempts to withdraw money from their loan borrowers&#8217; accounts.<\/span><br \/>\n<span style=\"font-weight: 400;\">However, under the <strong>Trump administration<\/strong>, the <strong>CFPB Director Mick Mulvaney<\/strong> has delayed the rule stating it would disqualify almost two-thirds of payday loans\u2019 borrowers. The rule has also been rolled back due to the lack of enough evidence against unfair and abusive practices by the lenders. This recourse has, indeed, been welcomed by lenders around the world.<\/span><\/p>\n<h2><b>Payday Loan Software<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">In today\u2019s world, not even a single day goes by without automation. From automatic espresso machine that gets your day started to automated teller machines disbursing cash to quality automobiles, automation is everywhere, and the loan processing industry is no different. Automation has created a positive impact on lenders and borrowers alike by accelerating all stages of the loan cycle. Indeed, in the current market of multiple loan providers, automated and digitized loan processing systems \u2013 payday loan software \u2013 are essential for lenders to remain competitive yet profitable.<\/span><\/p>\n<h2><b>Advantages of Using Cloud-based Loan Software<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Based on cloud technology, <a href=\"https:\/\/habiletechnologies.com\/payday-loan-software\/\"><span style=\"color: #ff0000;\"><strong>payday loan software<\/strong><\/span><\/a> offers a plethora of benefits including:<\/span><\/p>\n<h4><b>Swift Implementation&nbsp;<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The cloud-based payday loan software can be easily configured and implemented. Since the user can access the software instantly and securely via the web browser, it thereby eliminates the need to download it. This makes the software operate at a faster rate when compared to manual systems. Cloud technology also allows the users to access it from a remote location and enables them to fix, update, and add features to it.<\/span><\/p>\n<h4><b>Data Accessibility&nbsp;<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Another advantage of using cloud-based loan management software is that the data is stored in a remote, centralized server making it easily accessible from any device, any location, and at any point in time. The cloud technology stores the data in an encrypted format thereby ensuring its security and integrity. To access the data, all you need is an internet connection and you\u2019re good to go.<\/span><\/p>\n<h4><b>Accessibility and Consistency&nbsp;<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Increased demand during peak periods may lead to the crash of the traditional loan management system due to several factors including process overload, power failure, and hardware failure, to name a few. Employing a cloud-based loan processing system could eliminate such potential issues. Since the data and other documents are stored in a centralized server which is backed by generators and failover clusters, their availability is assured 24 hours a day, 7 days a week.<\/span><\/p>\n<h4><b>Document Management&nbsp;<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">All the documents are secured and stored in a remote, centralized server in an encrypted format. The cloud technology enables the real-time creation, storage, updating, and sharing of documents as well. This way, the entire loan management process is streamlined.<\/span><\/p>\n<h4><b>Improved Customer Experience&nbsp;<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">A manual loan processing system involves a lot of time and requires more staff, thereby making lenders charge a higher processing fee. The cloud-based system, on the other hand, completes the loan process in a shorter period by reducing overheads, eliminating paperwork, and operating at a much faster rate. One can improve customer experience by providing them with multiple services and ensuring minimal processing time.<\/span><\/p>\n<blockquote><p>You May Also Like: <a href=\"https:\/\/habiletechnologies.com\/blog\/factors-considered-for-choosing-loan-management-system\/\">12 Factors To Be Considered before Choosing A Loan Management System<\/a><\/p><\/blockquote>\n<h2><b>An Analytical Model Disbursing Loan in 5 Minutes<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Using payday loan software, one can ensure smooth client onboarding process along with error-free documentation and integrated e-KYC verification. These features enable payday loan lenders to swiftly process the loan application, thereby approving and disbursing funds within 5 minutes.<\/span><\/p>\n<h4><b>e-KYC<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Payday loans require borrowers to provide a valid id-proof. Verification of identity proof is a complex, time-consuming task. The software comes integrated with an e-KYC solution that completes the verification process within a matter of minutes. This way, you could save your customers from the hassles of lengthy paperwork and provide them with a smooth onboarding experience.<\/span><\/p>\n<h4><b>Client Creation<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Smooth customer experience is the key to success in any consumer-centric industry. Since the whole loan application process is automated and digitized, you can ensure hassle-free, secure onboarding. The software also provides your representatives with the flexibility to immediately create a new loan account for active clients or groups.&nbsp;<\/span><\/p>\n<h4><b>Robust Documentation<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The software\u2019s database-driven documentation module dynamically stores and segregates commercial loan documents over the centralized server. This enables the automation of the workflow and expedites the decision-making process.<\/span><\/p>\n<h2><b>CloudBankIN: A Leading Player in the Payday Loan Sector<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Designed exclusively for a complete lending solution, <strong><span style=\"color: #ff0000;\"><a style=\"color: #ff0000;\" href=\"https:\/\/habiletechnologies.com\/lending-software\/\">CloudBankIN<\/a><\/span><\/strong> is one of the best <\/span><strong><span style=\"color: #ff0000;\"><a style=\"color: #ff0000;\" href=\"https:\/\/habiletechnologies.com\/payday-loan-software\/\">payday loan software<\/a><\/span><\/strong><span style=\"font-weight: 400;\"> trusted by the leading NBFCs around the world. Not only does the software provide the NBFCs with an accelerated, transparent loan processing experience, but it also empowers lenders to lessen the operational risks, strengthens the workflow with minimal manual intervention, and reduces discrepancies.<\/span><br \/>\n<span style=\"font-weight: 400;\">With the right technology platform in place, as a lender, you can stay on top of regulations, foster your customer relationships, and maintain a perfect balance between risk management and operational efficiency.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many are faced with unexpected financial difficulties when a day or even an hour seems too long to wait for a loan to get approved. This is one such instance where a payday loan could come in handy. Among the various finance choices to consider, more people have begun to take advantage of the benefits [&hellip;]<\/p>\n","protected":false},"author":36,"featured_media":13998,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"footnotes":""},"categories":[129],"tags":[],"class_list":["post-13963","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-origination"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v16.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Evolution Of Payday Loans: How The Software Can Help To Disburse The Loan In 5 Minutes? | Habile Technologies<\/title>\n<meta name=\"description\" content=\"Learn all about Payday loans and how Habile Technologies can help financial organization disburse a loan in less than 5 minutes\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wiki.cloudbankin.com\/index.php\/2019\/11\/18\/13963\/evolution-payday-loans-software-can-help-disburse-loan-5-minutes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Evolution Of Payday Loans: How The Software Can Help To Disburse The Loan In 5 Minutes? 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