MeridianLink Consumer

The industry’s most powerful & flexible consumer LOS

Deliver Better User Experiences,
Workflows, and Performance

MeridianLink® Consumer is the industry’s leading digital consumer lending software system, providing a full loan product suite to financial institutions nationwide. This consumer lending software has the power to consolidate cross-channel applications, apply uniform rule sets and procedures, and enhance cross-selling opportunities, you can create world-class consumer experiences and streamline staff processes.

Many top financial institutions use MeridianLink Consumer as their consumer lending software system to ensure a frictionless experience by easily consolidating data from all existing channels—mobile, online, branch, call center, indirect, retail, and kiosk—into a single origination point.

With over 1,000 configuration points, hundreds of third-party integrations, a robust underwriting and pricing engine, full loan product suite support, and a configurable dynamic workflow engine, MeridianLink® Consumer is a consumer loan origination system solution that can be tailored to fit the needs of any financial institution.

Connect our time-tested and trusted MeridianLink consumer lending software to other MeridianLink® One solutions including MeridianLink® Opening, MeridianLink® Access, and MeridianLink® Portal to improve your organization’s account opening, application processing, lending automation, and cross-selling experiences.

Your Next Consumer Lending Software System

Features

Frictionless Digital Lending

Automated end-to-end digital lending process with the industry’s leading consumer loan origination system.

Modern User Experience

Cutting-edge user interface built on innovative cloud-based technology.

Advanced Decisioning

Automated decisioning & underwriting engine.

Single Loan Origination Platform

Easy integration for a secure, fast, and reliable application experience.

Web-based SaaS Delivery

SaaS model with frequent updates ensures quality and compliance for your consumer loan origination system.

Full Loan
Product Suite

Supports various direct and indirect consumer and business loan types.

The admin setup was also a lot more robust than what we had before. There are a lot of criteria such as price adjustments and custom lists in MeridianLink Consumer, which were missing in our old system, that allow us to better drive the applications to our customized queues.”

Crystal Robinson, Service & Delivery Manager, Consumer Lending at Coastal Credit Union

Benefits

Increased Satisfaction

Maximize automated decisioning capabilities for speedier turnaround times and more accurate results—leading to better consumer and staff experiences.

Increased Revenue

Deepen relationships with existing consumers and further boost your bottom line through core data integration designed to help you uncover additional cross-sell opportunities.

Reduced Costs

Cut down manual workload and develop a consistent user experience with time- and cost-saving workflow automations.

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Resources

Share of wallet module data sheet preview image

MeridianLink
Share-of-Wallet Data Sheet

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Implementation Guide

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Consumer lending software is a digital platform that helps banks, credit unions, and financial institutions manage the entire lifecycle of personal loans—automating tasks like loan applications, underwriting, decisioning, documentation, compliance, and servicing.

This type of software streamlines the lending process by reducing manual effort, improving accuracy, and accelerating approvals. It often includes features such as credit checks, loan origination workflows, document management, and borrower portals.

Modern consumer lending platforms are cloud-based and integrate with core banking systems, credit bureaus, and third-party fintech tools. By using consumer lending software, lenders can improve operational efficiency, reduce risk, and deliver a faster, more personalized borrowing experience.

MeridianLink Consumer is a cloud-based loan origination system (LOS) that empowers banks and credit unions to deliver a seamless, fully digital consumer lending experience. It centralizes applications from all channels into a unified platform. With advanced automation, a powerful underwriting engine, and built-in cross-sell capabilities, it helps financial institutions streamline processes, reduce manual work, and increase conversion rates across a wide range of loan products. 

MeridianLink Consumer modernizes the loan origination process by automating every step—from application through funding—reducing manual intervention and accelerating approvals. Its advanced decisioning engine enables faster, more consistent credit decisions, while dynamic, configurable workflows adapt to different loan types and borrower scenarios. Deep integrations with core systems and third-party platforms ensure seamless data flow, minimize errors, and improve overall lending efficiency—helping your team close more loans, faster. 

Yes, MeridianLink Consumer is built to serve the unique needs of community banks, credit unions, and other financial institutions seeking scalable, digital-first lending solutions. 

Yes, our products include open APIs and flexible integrations with hundreds of best-in-class technologies, including core banking systems, digital banking systems, and other preferred fintech partners.

Our consumer LOS supports a variety of loan types, including personal loans, credit cards, auto loans, business loans, real estate loans, indirect loans, and more. It offers flexibility to accommodate the unique requirements of each lending product. 

MeridianLink Consumer enhances the borrower experience by providing a user-friendly digital application process accessible across multiple devices. Features like advanced decisioning, automated communications, and the ability to apply for multiple products in one application session contribute to a more convenient and efficient borrowing journey. 

Yes, the platform offers extensive customization options, allowing institutions to tailor workflows, application forms, and decisioning criteria to align with their unique operational processes and compliance requirements. 

Yes, our consumer LOS includes built-in features and a robust network of third-party integrations to support compliance and fraud protection. 

The platform includes a native, intelligent cross-sell engine that helps you easily analyze borrower data to identify and recommend pre-qualified products that may be of interest. The borrower can even choose to apply for the product within the same application session, making it easier for you to boost share-of-wallet and strengthen consumer relationships.

MeridianLink Consumer offers robust analytics and reporting tools designed to help financial institutions monitor performance, identify trends, and make data-driven decisions. Out of the box, it includes MeridianLink Insight Lite, customizable reports, interactive dashboards, and access to up to three years of origination data. For deeper insights, the platform integrates seamlessly with our turnkey business intelligence solution, MeridianLink Insight, offering advanced analytics and trend forecasting.

Yes, MeridianLink provides training and support options tailored to your needs. From onboarding to guided setup, continuous optimization support and even training certifications, we offer the tools and expertise you need to fully leverage our lending solutions for ongoing success.

Implementation timelines vary based on your institution’s size, goals, and system complexity. To see real-world implementation experiences from other financial institutions, click here. 

Learn how MeridianLink can help your organization optimize the origination process and deliver an excellent user experience.

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