Peach

Paid APIWeb

What Peach is

Peach provides API-first loan management and servicing infrastructure for lenders, fintechs, banks, and credit unions building or scaling lending programs. Its Adaptive Core supports installment, revolving, BNPL, and configurable lending products. Listed loan types include cards, credit lines, cash advances, invoice financing, home improvement loans, retail installment contracts, and private student loans. The Servicing Suite includes borrower portals, agent tools, payment processing, and collections tools. Loan Replay recalculates accruals, fees, and payments after retroactive changes while retaining ledger history. Compliance Guard checks outbound interactions and monitors events such as bankruptcy, servicemember changes, sanctions, and natural disasters. Data access options include APIs, webhooks, a database replica syncing to Google Cloud Storage or Snowflake, and loan tapes. Peach lists integrations with providers including Visa, Mastercard, Plaid, Twilio, and Google Cloud. It says it encrypts personal and payment information using 256-bit AES-GCM with lender-specific rotating keys. Pricing is on request; customers can contact Peach to discuss a lending program.

Who it suits

Peach is aimed at lenders, fintechs, banks, and credit unions building or scaling lending programs. Its web and API access supports loan servicing and data workflows.

What it does well

Supports a range of loan product types.
Includes borrower portals and agent tools.
Can replay accruals, fees, and payments after retroactive changes.
Data access includes APIs, webhooks, and loan tapes.
Lists SOC, PCI DSS, and HIPAA credentials.

What to know first

Pricing is not published; contact Peach to discuss a program.
Loan product scope is centered on lending and servicing.

Limits

The Peach platform has no published price, so program cost must be discussed with Peach. The listed product runs through cloud deployment on API and web platforms.

Plans

Plan	Billed and limits	Price
Peach platform	Pricing not published on the pricing page; contact Peach to discuss a lending program	On request

As peachfinance.com lists them, read 9 Oct 2026. The maker's own page has the final word.

Getting started

Open the Peach website
Contact Peach to discuss a lending program and pricing
Plan a cloud deployment using the API or web platform
Connect required data, payment, and partner integrations
Configure borrower portals, payment scheduling, and servicing tools

Verdict

Peach combines loan management and servicing tools with borrower portals, compliance monitoring, and several data access options. Pricing is available on request, so lenders need to discuss their program with Peach.

Questions

How is Peach priced?

Peach is a paid product. Pricing is on request, and the Peach platform page does not publish a price.

Which lending products does Peach support?

Supported types include BNPL, cards, installment loans, credit lines, cash advances, invoice financing, home improvement loans, retail installment contracts, and private student loans.

Does Peach provide a borrower portal?

Yes. The Servicing Suite includes borrower portals, and payment scheduling is available.

How can customers access data?

Customers can use APIs, webhooks, loan tapes, or a database replica that syncs to Google Cloud Storage or Snowflake.

What security controls are listed?

Peach says it uses 256-bit AES-GCM encryption with lender-specific rotating keys, multifactor authentication for critical internal systems, and role-based access controls.

Facts from Peach's own pages

Certifications: Peach lists SOC 1 Type 1, SOC 1 Type 2, SOC 2 Type 2, PCI DSS Level 1, and HIPAA compliance or certification. · peachfinance.com, 9 Oct 2026
Company: Peach says it was acquired by SoFi in May 2026 and operates as part of SoFi Technology Solutions. · peachfinance.com, 9 Oct 2026
Compliance: Compliance Guard checks outbound interactions and monitors events including bankruptcy, servicemember changes, sanctions, and natural disasters. · peachfinance.com, 9 Oct 2026
Data access: Customers can access data through APIs, webhooks, a database replica syncing to Google Cloud Storage or Snowflake, and loan tapes. · peachfinance.com, 9 Oct 2026
Founded: Peach Finance was founded in 2018 by Eddie Oistacher. · peachfinance.com, 9 Oct 2026
Hosting and access controls: Peach says it runs in a Google Cloud virtual private cloud and uses multifactor authentication for critical internal systems and role-based access controls. · peachfinance.com, 9 Oct 2026
Integrations: The partnerships page lists Visa, Mastercard, Lithic, Qolo, Marqeta, Twilio, Plaid, Google Cloud, Cybersource, Experian, Equifax, TransUnion, Silicon Valley Bank, and Galileo. · peachfinance.com, 9 Oct 2026
Loan Replay: Loan Replay recalculates accruals, fees, and payments after a retroactive change while preserving the ledger history. · peachfinance.com, 9 Oct 2026
Product: Peach provides API-first loan management and servicing infrastructure for lending products. · peachfinance.com, 9 Oct 2026
Security: Peach says it encrypts personally identifiable information, bank accounts, and card details using 256-bit AES-GCM with lender-specific rotating keys. · peachfinance.com, 9 Oct 2026
Servicing tools: The Servicing Suite includes borrower portals, agent tools, payment processing, and collections tools. · peachfinance.com, 9 Oct 2026
Support: Peach says implementation questions go to its engineers, with day-to-day support as the first path after go-live and Solutions Engineers available for technical questions. · peachfinance.com, 9 Oct 2026
Supported products: Adaptive Core supports installment, revolving, BNPL, and configurable lending products. · peachfinance.com, 9 Oct 2026
Target customers: Peach describes its customers as lenders, fintechs, banks, and credit unions building or scaling lending programs. · peachfinance.com, 9 Oct 2026

Where Peach stands on Freedom251

Loan Management Software#22 of 30