No. 1 of 32 ·Loan Management Software

UnPay Loan Management System

Web · Android · iPhone · API

Freedom report

Three barsScore 6.5

Free tierA free tier is on its own pricing page
Open codeNo open-source code on record
Runs widely3 of 6 device platforms
DocumentedPlans, terms and facts published

UnPay Loan Management System is ranked #1 of 32 in loan management software on Freedom251. 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 plans

Build 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

Free plan: Yes
Deployment: both
Payment scheduling: Yes
Borrower portal: Yes
API access: Yes
Loan types supported: NBFC, microfinance, housing finance, vehicle and equipment finance, embedded lending, asset reconstruction

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The record

Purpose: The system handles loan servicing from disbursement through repayment and closure.
Schedules: It generates flat or reducing-balance instalment schedules at disbursement.
Repayment allocation: Repayments are applied in a fixed order: penalty, interest, then principal.
Repayment methods: The page lists NACH, eMandate, PDC, standing instructions, and manual receipts as collection channels or methods.
Delinquency and classification: A scheduled sweep advances days past due and re-buckets loans against configured NPA thresholds.
Restructuring: Listed resolution options include moratorium, EMI reduction, tenure extension, one-time settlement, legal action, and write-off.
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.
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.
Security certification: UnPay states that it is ISO 27001 certified and Cert-In certified.
Security practices: The security policy says data is encrypted in transit using TLS and at rest using AES-256, with hardware-backed key management.
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.
Intended users: The product page names NBFCs, microfinance providers, housing finance, vehicle and equipment finance, embedded lenders, and asset reconstruction as intended users.
Founded: 2024
Headquarters: Bidhannagar, Kolkata, West Bengal, India
Price from: Free

Where it ranks on Freedom251

Best Loan Management Software in 2026#1 of 32
Best Payment Reconciliation Software in 2026#1 of 26

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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