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"2026 Consumer Finance Payments Guide for Lenders"

Consumer lenders are under pressure to deliver faster, more flexible payment experiences while reducing operational friction, fraud exposure and delinquency risk.

REPAY’s guide explores why outdated methods like paper checks and ACH can create avoidable costs and borrower experience gaps, and how digital-first payment strategies can help lenders modernize without overhauling core systems.

In this white paper, you’ll learn:

• Why traditional payment methods can slow cash flow and increase manual work
• How digital payments can improve speed, security and borrower satisfaction
• Why 52% of borrowers now choose debit for payment convenience
• How delinquency trends affect lenders in subprime portfolios and beyond
• What generational payment preferences mean for digital adoption
• How integrated platforms support automation, compliance and reconciliation

Download our guide to see how consumer lenders can streamline payments, reduce risk and build a more modern borrower experience.

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