LoanPro, the modern lending and credit platform, today announced new products covering payments, card-based loan disbursement and AI-assisted servicing. LoanPro unveiled the products to lenders and partners at its annual, invite-only Salt Flats Summit, where the company demonstrated them live on stage.

The launches include LoanPro DirectPay, payment processing built by LoanPro and integrated throughout its platform, and Beyond Credit™ , a virtual Mastercard now onboarding installment lenders, which lets them disburse loan funds to a borrower’s digital wallet in real time. For servicing teams, LoanPro introduced the AI Account Briefing and the LoanPro MCP, which connects AI agents to LoanPro under the same access controls and compliance guardrails lenders use for their human agents. LoanPro also announced new payment partners, RiskRadar delinquency prediction, ongoing compliance monitoring, LoanPro Connect and full support for secured cards.

“Lenders have asked us for years to handle more of this for them, with one contract and one team to call,” said Rhett Roberts, CEO and co-founder of LoanPro. “Payment processing, real-time card disbursement and AI guardrails are now built into LoanPro’s core, and all of it is live today. A lender can now get funds to a borrower on a Friday night or have an AI agent help service an account, and all of it stays inside LoanPro.”

LoanPro Payments and LoanPro DirectPay

LoanPro has renamed its payment suite LoanPro Payments. Across its customer base, LoanPro moves about $4 billion a month in loan repayments and disbursements. The centerpiece of the suite is LoanPro DirectPay, a payment processing service LoanPro built itself and integrated throughout its platform.

LoanPro holds both the loan data and the processing data, so DirectPay reconciles transactions automatically. Operations teams no longer have to spend hours matching reports by hand. During a borrower call, servicing agents can follow a payment step by step, see why a payment failed, and process a dispute or refund without switching systems. New customers go through an automated onboarding flow and, once approved, can begin accepting payments in about 20 minutes. DirectPay runs on partner infrastructure that processes more than $2 trillion in transactions a year, with no throttling or throughput limits.

LoanPro Payments also adds two partners. Moov is now the first payment processor customers can buy directly through LoanPro, with one contract and one pricing schedule. CheckAlt brings lockbox processing and is already integrated with the platform. LoanPro will continue to support and invest in all its existing processor integrations and partnerships.

Beyond Credit

Beyond Credit™ is a virtual Mastercard that works as an access device to an installment loan. Lenders can disburse loan funds in real time to a borrower’s Apple Pay or Google Pay wallet, 24 hours a day, including weekends and holidays when ACH doesn’t run. The card doesn’t revolve and carries no fees or interest. Those terms stay on the loan in LoanPro.

Lenders can limit where the card works by merchant name, merchant ID, location or merchant category code, and they can receive merchant-level spend data. LoanPro serves as program manager, handling customer service, disputes and chargebacks, and manages fraud mitigation with Mastercard and its issuing processor. Beyond Credit is onboarding installment lenders now.

LoanPro Intelligence Suite including LoanPro MCP

The new LoanPro Intelligence Suite, including AI Account Briefing, gives servicing agents a plain-language summary of each account, with health indicators, recent activity and suggested next steps based on how that lender handles similar situations. In a LoanPro survey of lenders on its platform, agents spent an average of 20% of each servicing call looking for information. In LoanPro’s testing, the briefing cut that to 10% to 15% of a call, and to 5% in some cases. The briefing runs on models post-trained by LoanPro and deployed inside each customer’s own AWS environment, so lender data stays within that perimeter. It builds on the AI-native interface LoanPro developed with AllCloud and AWS, which cut customer call times by up to 15%.

The LoanPro MCP (Model Context Protocol) powers the suite. Lenders can use it to connect AI agents and models of their choice to LoanPro. Phase one is live now and supports pulling account context and history, processing payments, setting up autopay and recording promises to pay. Every request passes through LoanPro’s role-based access controls and compliance guardrails, so an AI agent can reach only what its human user can reach. Each action is recorded in the audit trail under that person’s name. A second phase will add broader servicing, including borrower communications. A third phase, planned for next year, will extend the MCP to every LoanPro service.

“You will only ever drive as fast as you trust your brakes to stop you,” said Colin Terry, Chief Product Officer at LoanPro. “Lenders have spent years building controls around their human agents, and the LoanPro MCP runs through those same role-based access controls and compliance guardrails. We bring the context, the action and the trust. You bring the thinking, and you have an AI strategy in a box.”

Additional Announcements

  • Risk Radar: A machine learning model trained on a lender’s own portfolio that predicts the likelihood of delinquency, so servicing teams know which accounts to call first. Risk Radar feeds into the AI Account Briefing and will be available in the coming weeks.

  • Ongoing Monitoring: Automated SCRA, MLA, Death Master File, consumer bankruptcy and OFAC checks on a schedule the lender chooses, with the ability to act on any hit.

  • LoanPro Connect: A platform extension linking activity in LoanPro to more than 1,200 off-the-shelf APIs, including Google Sheets, Outlook and Slack.

  • Secured card and Associated Ledgers: Associated Ledgers track a deposit or other asset balance on an account and can tie available credit to it, which gives LoanPro full support for secured cards. Accounts can hold an unlimited number of associated ledgers, and the feature comes to installment loans by the end of the year.

Lenders can contact their LoanPro customer success team to turn on any of the new products. For more information, visit www.loanpro.io.

About LoanPro

LoanPro is a modern, API-first lending and credit platform that automates the entire loan lifecycle, from origination to payoff. Founded in 2015, LoanPro allows financial institutions, auto lenders, and credit providers to automate workflows, process payments, underwrite applications and manage collections.

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