From loan application to approval in minutes, not days.
eLoans is an enterprise-grade, AI-native lending platform that automates the entire loan lifecycle — KYC, affordability, credit, underwriting, e-sign and instant disbursal — with a Human-in-the-Loop framework that keeps every decision compliant and auditable.
Essential plan · 500 tokens · 4-week free trial · no credit card required
Trusted by banks, credit unions and non-bank lenders worldwide
Platform
Everything you need to originate, underwrite and disburse
One AI-native platform that replaces a stack of point solutions — from onboarding to instant funding — engineered for regulated lenders.
OCR + biometric KYC
AI-powered document capture with liveness detection and facial matching — 99%+ extraction accuracy in seconds.
Global AML / PEP screening
Instant screening against global sanctions, PEP and watchlists with continuous ongoing monitoring.
Open banking + cashflow AI
Directly connect borrower bank accounts and auto-categorise income, expenditure and existing debt.
Affordability stress-testing
Simulate rate, income and expenditure shocks to evaluate true repayment capacity in real time.
Hybrid AI underwriting
Auto-approve, auto-decline or route marginal cases to a human underwriter — every decision explainable.
Dynamic offer + e-sign
Personalised interest rates and terms, signed on any device via integrated e-signature providers.
Instant disbursal
Trigger real-time fund transfers via RTP, ACH or SEPA directly to the borrower's verified account.
Explainable AI + audit trail
Every AI recommendation is traceable with automated Adverse Action notices for full FCRA compliance.
The digital loan journey
A cohesive, automated, five-stage pipeline
eLoans replaces fragmented legacy origination with a single, AI-orchestrated flow — reducing time-to-decision from days to minutes.
Apply & KYC
Sleek, mobile-first application with document OCR, liveness checks and automated AML/PEP screening.
Affordability
Open banking + AI cashflow categorisation build a real, real-time picture of disposable income.
Credit checks
Parallel multi-bureau pulls plus alternative data for thin-file borrowers, reconciled automatically.
AI underwriting + HITL
Tiered decisioning: auto-approve, auto-decline or route to a human underwriter with full AI context.
Offer & disburse
Dynamic offer, e-signature and instant funding via RTP, ACH or SEPA to the borrower's bank account.
The ApplyOn advantage
AI speed. Human integrity. One workflow.
While AI drives our velocity, human expertise ensures our integrity. eLoans dynamically routes complex, edge-case applications to your underwriters — presenting the AI's reasoning, risk assessment and referral triggers so decisions are informed, fair and fast.
Auto-approval
Low-risk applications meeting all automated criteria approved instantly.
Auto-decline with reasons
Fundamental fails politely declined with automated Adverse Action explanations.
Human in Loop
Most loan processes require human inputs and approvals. eLoans includes a fully integrated and AI supported human in loop process.
Trust & compliance
Bank-grade security is the foundation, not the finish
eLoans is engineered to meet the highest global standards for data protection, auditability and system reliability.
Information security
Systematic, certified management of sensitive corporate and customer information.
Operational trust
Independently verified security, availability and confidentiality controls.
Encryption
Bank-grade encryption at rest and in transit at every stage of the lifecycle.
Regulatory readiness
Right-to-be-forgotten, data portability and automated adverse action notices built in.
Why eLoans
More approvals. Less risk. Radically lower cost per loan.
The fastest, most affordable digital transformation layer for regulated lenders — deployed in weeks, not quarters.
Unrivalled velocity
Reduce time-to-decision from days to minutes with fully-automated origination.
Intelligent automation
Automate up to 90% of routine underwriting tasks — reserve human effort for edge cases.
Active compliance
Every AI recommendation is fully traceable and aligned to global lending standards.
Superior unit economics
Lower acquisition cost, slash operational overhead, keep defaults to a minimum.
Delightful borrower UX
Responsive, modern interface that drives conversion across every digital channel.
Bank-grade security
Independently certified controls with continuous monitoring and third-party audits.
Pricing
Simple pricing, per 200 applications
Subscription tiers scale with your origination volume. Add tokens for verifications, ongoing monitoring, e-signature and decision engine workflows.
Essential
For small teams with limited use.
min $599/mo
- 5 users
- Online support
- Hosted application page
- Document collection
Plus
Our most popular plan for growing lenders.
min $949/mo
- 5 users
- Online support
- Everything in Essential
- AI-assisted KYC
Premium
More support, customisation and branding.
min $1,199/mo
- 10 users
- Hybrid support
- Everything in Plus
- Income / employment verification
- E-signature
- Custom analytics
- Customer record
Enterprise
Best for 1,000+ applications per month.
volume pricing
- Custom users
- Strategic account support
- Everything in Premium
- API integrations
- Vault storage
Verifications
- 1 token per verification
- 1 token per advanced fraud detection
- 3 tokens per advanced analysis
Extras
- 1 token for extended data retention
- 1 token for ongoing monitoring (PEP & sanctions)
- 1 token per decision engine process
- 2 tokens per database screening
- 3 tokens per e-signature
- 3 tokens per verification flow
Free trial: Essential plan with 500 tokens for 4 weeks.
Ready to modernise your loan book?
Start free with the Essential plan, or book a 60-minute session to map eLoans to your core banking stack, credit bureaus and disbursement rails.