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Median age of a microloan borrower
Microloans
76% of Americans live paycheck to paycheck. They're younger and they haven't grown into a prime credit score yet, leaving them vulnerable to small dollar emergencies.
Don't make your members go to payday lenders or digital neobanks to get the solution they seek. Give them a digitally delivered microloan, powered by cash flow underwriting, that deepens your member relationships and serves a critical need.
- Cash-flow underwriting doesn't rely on credit score
- Digital automation from application to core loan booking
- Risk tolerance configurable to your credit union
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Credit unions with members applying for microloans at fintechs
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Gen Z microloan borrowers with higher deposit balances one year after getting a microloan
