LOAN TYPES: PAYROLL DEDUCTION LOANS

Payroll Deduction Loans Made Smarter: Track, Manage and Scale with Confidence

EPIC Loan Systems supports lenders offering payroll deduction loans by serving as a flexible system of record. While payment processing happens outside the platform, EPIC lets you track deductions, monitor repayment activity and manage loans with precision — all from one dashboard.

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Purpose-Built Tools for Payroll Deduction Lending

Flexpay lending demands rapid decision-making, seamless transactions, and airtight compliance. EPIC Loan Systems equips lenders with the technology needed to fund loans instantly, reduce risk, and maintain regulatory integrity.

Streamlined Origination & Decisioning

Speed up approvals with pre-set rules based on employment status, eligibility and deduction logic.

Payroll Systems

Integrations

While payroll processing occurs outside the LMS, EPIC helps lenders track repayments, manage loan details, and stay in sync with payroll deductions — keeping your team and your borrowers aligned.

Built-In Compliance

Safeguards

Stay aligned with agency policies, federal regulations and employer agreements with audit-ready workflows and documentation.

Reliable Repayment

Automation

Minimize default risk with scheduled deductions that go straight from paycheck to lender—no reminders, no excuses.

Custom Employer &

Borrower Portals

Easily manage employer relationships and give borrowers a clear view of their repayment schedule and balance.

Real-Time Loan Performance Insights

Track repayment activity, deduction status and borrower behavior with data that actually drives decisions.

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Track the Details that Matter

EPIC helps you stay on top of every repayment, status change, and borrower activity—

even when payments are handled externally.

Built for Lenders

Who Think Ahead

Payroll deduction lending isn’t new—but the right tech makes it easier, safer and more scalable than ever. EPIC brings everything under one roof.

Stronger Repayment

Predictability

Deductions directly from payroll mean fewer missed payments, fewer defaults and a healthier portfolio.

Accelerated

Underwriting

Use employment data to pre-qualify faster and lend more confidently—especially to borrowers with thin credit files.

Serve Specialized Markets Confidently

From federal workers to employees of partner companies, our system makes it simple to segment and serve your ideal borrower groups.

Automate the

Tedious Stuff

From deductions to reporting, EPIC takes care of the busywork so your team can focus on growth.

Built for Maximum Flexibility

EPIC was designed to support nontraditional lending workflows—including payroll deduction—so you can serve more borrowers with less friction.

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Begin Offering Payroll Deduction Loans in

3 Easy Steps

Request a

Demo

We’ll walk you through how our platform supports deduction-based lending, from origination to payoff.

Configure Employer

Connections

Our team helps you connect with payroll systems, map deductions and set rules that fit your lending strategy.

Launch & Automate

With Confidence

Automate repayment, monitor loan performance, and scale without added overhead.

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Explore Lending Models We Specialize In

Online

Loans

Streamline digital lending with automated approvals and borrower-friendly features.

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Installment

Loans

Automate repayment schedules and borrower communications for long-term loans.

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PayDay/FlexPay Loans

Optimize short-term lending with rapid approvals and same-day funding options.

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Payroll Deduction

Loans

Repayments straight from the paycheck. Automated, reliable, and low-risk—for you and your borrowers.

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Texas CSO/CAB

Loans

Compliant loan management for Texas lenders using third-party funding models.

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Plus MUCH more! Have a question about a specific lending model?

CONTACT EPIC TODAY!

Simplify Collections. Support Borrowers.

Scale Confidently.

With EPIC, payroll deduction lending becomes a frictionless, future-ready model for lenders who want predictable performance and streamlined operations.