MeridianLink DecisionLender

Automate and streamline your finance company’s digital lending operations

click here if you represent a bank or credit union

MeridianLink® DecisionLender® is powerful loan decisioning software that automates the origination process for direct and indirect installment loans. It enables automatic pre-approvals when consumers submit a digital credit application, helping lenders increase market reach, enhance the consumer experience, and streamline approvals—all within a single, user-friendly platform that minimizes IT resource demands.

Fuel Lending Portfolio Growth

Quickly adapt to an evolving marketplace with MeridianLink DecisionLender, a cloud-based loan decisioning software and consumer loan origination system (LOS) built for financing companies.

MeridianLink DecisionLender features:

  • Automated decisioning for multiple loan types
  • Instantly update workflows and processes
  • Mobile-friendly, responsive design
  • Intuitive flow for a seamless consumer experience

Serving a Variety of Digital Lending Applications

Indirect Automotive

Streamline decisions and operations to become more competitive and connected to your dealers through major dealer portals with frictionless lending procedures.

Direct Automotive

Reduce wait times, incorporate your own back-end products to protect collateral, and give your consumers peace of mind when purchasing or refinancing vehicles.

Merchant

Offer your point-of-sale vendors the opportunity to finance their specialty items or services in a 24/7 digital world and close the sale quicker.

Unsecured Personal

Provide personalized and qualified loan offers to your consumers with an omnichannel experience to conduct business in-branch or from the comfort of home.

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When we compared the architecture, capabilities, and features embedded in DecisionLender to other platforms, it wasn’t even close.”

Lars, Retail Lending Manager

DecisionLender’s customer interface ranks among the best we’ve seen. The feedback we’re getting is that it’s an incredibly simple system to use.”

Scott, Director of Consumer Lending

What Sets DecisionLender Apart?

Improved Consumer
Experience

DecisionLender provides a mobile-friendly experience, giving you 24/7 loan origination capabilities with save and resume functionalities, robust safeguards, and multiple risk controls.

Automation

DecisionLender is a cloud-based, paperless loan origination system that automates application acceptance, processing, correspondence, real-time decisioning, and compliance.

Speed-To-Market

DecisionLender is simple to configure, map data fields, and update rules so that it conforms to your unique workflows and can be implemented quickly without taxing your IT resources.

Greater Lending Flexibility

DecisionLender is a remarkably versatile platform supporting on-the-go underwriting opportunities for both direct and indirect installment lending and cross-selling so that you can reach more customers.

Better Data-Based Decisions

Advanced analytics capabilities help you analyze loan origination data in real-time to improve performance and make more-informed decisions.

Portal & Integration

DecisionLender integrates with other lending portals, core systems, and third-party solutions for eSignatures, insurance, warranties, and more.

MeridianLink DecisionLender is a powerful loan decisioning software that automates origination for direct and indirect installment loans. It enables automated pre-approvals when consumers submit digital credit applications, helping lenders expand market reach, enhance borrower and dealer experiences, and accelerate approvals—all within a user-friendly, cloud-based platform that reduces IT strain and simplifies operations. 

DecisionLender utilizes advanced automation to facilitate real-time credit decisioning. By integrating with credit bureaus and employing customizable decision rules, the platform can quickly evaluate applications, reducing manual intervention, and accelerating the approval process.

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

Absolutely! DecisionLender offers seamless integration capabilities with various core banking systems, dealer portals, and third-party solutions within MeridianLink Marketplace, including eSignatures, insurance, and warranties.

DecisionLender provides advanced analytics capabilities for real-time analysis of loan origination data, helping identify trends and drive more informed decision-making to enhance performance.

By automating key aspects of the loan origination process—such as application intake, credit evaluation, decisioning, and eSignatures—DecisionLender minimizes the need for manual, paper-based data entry and review. This can reduce processing times, lower the risk of errors, and allow staff to focus on more strategic tasks.

Yes, DecisionLender is simple to configure, map data fields, and update decision rules to align with your specific workflows and risk tolerance—without placing a heavy burden on your IT resources.

DecisionLender includes built-in features and a robust network of third-party integrations to support compliance and fraud protection.

DecisionLender streamlines the loan process with automated decisioning, personalized loan offers, and an intuitive, mobile-friendly design. Borrowers can apply anytime, from any device, with features like save-and-resume, real-time updates, and seamless workflows that reduce friction and increase satisfaction across multiple loan types. 

Implementation timelines vary based on your institution’s size, goals, and system complexity. MeridianLink offers flexible support models tailored to your institution’s needs to provide a seamless transition and ongoing success. 

Let’s talk — whether you’re in the preliminary stages of research or looking for detailed answers that may require a demo, our team is always available to discuss your options and how we can help.

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