The short-term lending world moves fast. It's competitive, heavily regulated and constantly evolving. Whether you're offering payday loans, installment loans or alternative finance products, your ability to grow doesn't just depend on underwriting—it hinges on the technology you use every day.

In today’s market, your Loan Management System (LMS) can be the difference between scaling smart or falling behind. The right platform streamlines originations, automates servicing, ensures compliance and helps your team make faster, better decisions.

But with so many systems available, which one actually delivers?

Let’s break down five major LMS platforms lenders are talking about—and why more high-performing lenders are choosing EPIC Loan Systems to lead the way.

EPIC Loan Systems: Built for Scale, Backed by Lending Experts

Best for: High-volume, high-growth lenders who need end-to-end automation and real support from lending professionals—and TLEs that require bulletproof compliance

Why EPIC Stands Out

EPIC Loan Systems is built for lenders who operate at scale and can't afford to slow down. Whether you’re onboarding thousands of loans a day, expanding into new states or managing a complex TLE portfolio, EPIC keeps your business fast, compliant and under control.

You’re not just buying software—you’re gaining a team of industry experts who’ve walked in your shoes and understand the pressure you're under. EPIC is built around real-world lending, not generic features.

What You Get

• End-to-end automation from origination through collections

• Real-time decisioning and dynamic pricing tools

• Built-in compliance logic for all 50 states

• Configurable workflows for any loan product

• Mobile-optimized borrower portals and payment tools

• Secure document management and audit tracking

• Seamless integrations with ACH, debit and processors

• Advanced automation for reminders, skip tracing and marketing

Built for Growth Without the Headaches

Unlike developer-heavy platforms, EPIC lets your team configure workflows, launch new products and enter new markets—without coding. That means you can move fast, adjust on the fly and stay audit-ready without relying on IT teams or outside vendors.

The Bottom Line

Lenders that switch to EPIC report lower processing times, fewer compliance issues and higher automation across the board. It’s the platform behind some of the most efficient operations in the short-term lending space.

👉 See why high-performing lenders trust EPIC. Book your personalized demo today

Infinity Software: Flexible, Configurable and Built for Efficiency

Best for: All types of short-term lenders who want more control over their loan products and workflows—and who need automation to reduce manual work and save money

Why Lenders Choose Infinity

Infinity Software is ideal for lenders who need flexibility across loan types, borrower experiences and servicing workflows. Whether you're online, storefront or both, Infinity makes it easy to configure your platform and streamline daily operations.

Built-in compliance tools, borrower communication features and open APIs help you customize processes without the bloat or overhead of legacy systems.

What You Get

• Support for storefront, online and hybrid lending

• Custom loan templates and workflow configurations

• Compliance engine with automated state-level disclosures

• White-labeled borrower portals

• Built-in SMS and email tools

• Open APIs for CRM, payments and third-party systems

Built for Real-World Lending Environments

Infinity gives you freedom without complexity. You can tailor the platform to match your operations and lending model—and with automation built into key steps, your team can do more without adding headcount.

The Bottom Line

Lenders using Infinity report faster loan servicing, fewer manual errors and smoother borrower journeys. It’s a great fit for operators who need flexibility without giving up control.

👉 Looking for a more efficient way to manage loans? Schedule a demo with Infinity today!

LoanPro: Deep Customization for Tech-Driven Lenders

Best for: Lenders with dedicated development teams or fintechs building highly customized lending stacks

What Sets It Apart

LoanPro offers deep configuration through a powerful API framework. It’s best suited for lenders who want full control over the tech stack and are ready to invest in custom development.

But that control comes at a cost. LoanPro is not plug-and-play—it requires internal dev resources and a longer setup. For many lenders, the complexity outweighs the benefits.

Where It Falls Short

While LoanPro delivers flexibility, it lacks the fast deployment, no-code configuration and compliance-ready features that EPIC and Infinity provide out of the box.

TurnKey Lender: Fast Start for Growing Lenders

Best for: Startups and small lenders who need fast setup and ready-to-go workflows

What Sets It Apart

TurnKey Lender focuses on simplicity. It provides a fast way to launch with prebuilt loan templates and AI-driven decisioning tools, ideal for teams with limited resources.

However, its simplicity is also its ceiling. TurnKey struggles to scale with multi-state operations and requires external tools for more advanced compliance and automation.

Where It Falls Short

While TurnKey is great for getting started, lenders often outgrow the platform. EPIC offers the same speed to launch—with the long-term flexibility and compliance coverage TurnKey lacks.

Vergent LMS: Supporting Traditional Lending Environments

Best for: Regional and storefront lenders with agent-driven operations and a broad product mix

What Sets It Apart

Vergent LMS is known for robust servicing and branch-level management tools. It’s a reliable option for in-person lending environments that need agent workflows and insurance modules.

However, for lenders focused on digital channels or looking for cloud-first architecture, Vergent may not offer the modern borrower experience or automation found in EPIC or Infinity.

How to Choose the Right LMS in 2025

Your LMS should do more than manage loans. It should help you grow, protect your business and simplify complexity. Here's what matters most:

• Compliance Confidence: Does it automate disclosures, APR limits and state rules?

• Configurability: Can it support your current and future products?

• Speed to Market: Will your team be live in weeks, not months?

• Borrower Experience: Is it mobile-friendly and intuitive?

• Support That Knows Lending: Will you get help from people who understand your business?

The Verdict: EPIC Leads the Pack

Every LMS in this list has strengths—but only one combines speed, compliance, automation and expert support in a single platform. EPIC Loan Systems stands out as the gold standard for lenders who want to scale confidently, adapt quickly and reduce compliance risk at every stage.

Infinity is a great option for lenders with storefront and hybrid operations. The others serve more specific use cases or require greater internal resources.

🚀 See What’s Possible With EPIC

Whether you're scaling into new markets or tightening compliance, EPIC gives you the tools to lead. Faster decisions, smarter workflows and fewer compliance headaches.

👉 Schedule your demo today and see why top lenders trust EPIC Loan Systems.