Day 0
Loan payments lose priority
Rent, groceries, subscriptions are all loud. Loan payments sit quietly until they're late.
We help borrowers prioritize loan payments
Perqia partners with financial institutions to provide a consumer-first loan payment experience that wins wallet share.
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"Perqia builds trust between financial institutions and customers. Simply put, rewarding engagement drives better outcomes and lower delinquency."
P.J. Goben, Aqua Finance
* Stats for illustrative purposes only
The Problem
Lenders are losing wallet share to competing experiences, leaving loan payments last in line.
Projected Collections
Collection Costs
Day 30+
Collections create cost and friction
Calls and messages go out after you've already lost a borrower’s attention.
Day 60+
Borrowers ghost the relationship
Lender-borrower trust is broken and delinquent balances become increasingly harder to cure.
For Financial Institutions
Motivate borrowers to stay on track, and improve the repayment lifecycle.
Stay top-of-phone to win wallet share. Engage borrowers at the earliest point in their payment experience with intelligent incentives, aligned to cash flows.
More on-time payments
Borrowers pay ahead of due dates instead of slipping past them.
Increased engagement
Every reward earned supports a positive behavior.
Lower delinquencies
Accounts stay current, preventing a delinquent status.
Reduced collection costs
Fewer borrowers reach collections, reducing ops time and expense.
For Borrowers
Borrowers prioritize the bills that reward them.
Enable borrowers to prioritize their loan payments with a flexible self-servicing and rewards experience.
01
A relationship, not a bill
The lender delivers upside, not just a reminder.
02
Pay on time, earn real rewards
Each payment earns points, redeemable for 300+ gift cards.
03
Progress you can see
Borrowers build real momentum worth protecting.
04
Skip the late-fee spiral
Proactive payment incentives keep accounts current.
How it Works
A repeatable loop that drives on-time payments.
Enable borrowers to prioritize their loan payments with a flexible self-servicing and rewards experience.
01
Borrower sees what's due
A clear view of their balance, with a nudge for their next payment.
02
Incentives get introduced
Pay on time, earn points and tickets. Set up auto-pay, get a head start.
03
Borrower pays sooner
Most pay before the due date. Some pay the moment they get a nudge.
04
Incentives support behavior
A real, tangible payoff lands in-app and the next loop begins.
Stop chasing late payments. Start collecting early.
Get a 30-minute walkthrough. See what a stronger borrower relationship means for your business.
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