Tech riderRev. 30 Sept 2026
UnPay Loan Management System
- 1Runs onAndroid, API, iOS, Web
- 2CostsFree plan · free trial
- 3Deploymentboth
- 4Payment schedulingYes
- 5Borrower portalYes
- 6API accessYes
- 7Loan types supportedNBFC, microfinance, housing finance, vehicle and equipment finance, embedded lending, asset reconstruction
7 lines stated Written from the maker's own pages: unpay.co
Overview
UnPay Loan Management System is ranked #1 of 32 in loan management software on Specifiction. It runs on Android, API, iOS, Web. There is a free plan. A free trial is offered.
UnPay Loan Management System plans and pricing
All plansBuild Free All 15 products in sandbox · 480 API endpoints · Community support unpay.co · 30 Sept 2026
Enterprise Not published Custom annual agreements Dedicated infrastructure · On-prem or VPC deployment options · 99.99% uptime SLA · 24/7 named support unpay.co · 30 Sept 2026
Scale Not published Per-transaction pricing, volume-tiered Production access · Email and chat support · 99.9% SLA unpay.co · 30 Sept 2026
Compared on loan management software
Facts
- Purpose
- The system handles loan servicing from disbursement through repayment and closure.unpay.co · 30 Sept 2026
- Schedules
- It generates flat or reducing-balance instalment schedules at disbursement.unpay.co · 30 Sept 2026
- Repayment allocation
- Repayments are applied in a fixed order: penalty, interest, then principal.unpay.co · 30 Sept 2026
- Repayment methods
- The page lists NACH, eMandate, PDC, standing instructions, and manual receipts as collection channels or methods.unpay.co · 30 Sept 2026
- Delinquency and classification
- A scheduled sweep advances days past due and re-buckets loans against configured NPA thresholds.unpay.co · 30 Sept 2026
- Restructuring
- Listed resolution options include moratorium, EMI reduction, tenure extension, one-time settlement, legal action, and write-off.unpay.co · 30 Sept 2026
- API
- The API can post repayments, fetch schedules and balances, raise restructures or closures, and send webhooks for due, overdue, bucket-change, and closure events.unpay.co · 30 Sept 2026
- Audit and tenant controls
- The product page says restructuring and closure events record an actor and timestamp, and loan data is scoped to an organisation.unpay.co · 30 Sept 2026
- Security certification
- UnPay states that it is ISO 27001 certified and Cert-In certified.unpay.co · 30 Sept 2026
- Security practices
- The security policy says data is encrypted in transit using TLS and at rest using AES-256, with hardware-backed key management.unpay.co · 30 Sept 2026
- Support and pricing
- The pricing page lists community support for the free sandbox, email and chat support on Scale, and 24/7 named support on Enterprise; it says individual product rate cards are shared during onboarding.unpay.co · 30 Sept 2026
- Intended users
- The product page names NBFCs, microfinance providers, housing finance, vehicle and equipment finance, embedded lenders, and asset reconstruction as intended users.unpay.co · 30 Sept 2026
Company
- Founded
- 2024unpay.co · 28 Sept 2026
- Headquarters
- Bidhannagar, Kolkata, West Bengal, Indiaunpay.co · 28 Sept 2026
Best UnPay Loan Management System alternatives
See all 20 All accessCh 02 Frappe Lending Free planFree trialAPI from $5/mo7.1 All accessCh 03 Lokta Free planAPILinux from ₹1/mo6.9 All accessCh 04 Margill Loan Manager Free trialAPIMac 6.9 All accessCh 05 AFSVision AndroidiOS 6.8 All accessCh 06 Apache Fineract Free planAPILinux Free to start6.8 All accessCh 07 Enterprise! AndroidiOS 6.8
Where it ranks on Specifiction
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Sources
- unpay.co/products/loan-management-system· checked 30 Sept 2026
- unpay.co/information-security· checked 30 Sept 2026
- unpay.co/pricing· checked 30 Sept 2026