Loan applications chased for the last pay stub
A car loan that sits waiting on one pay stub turns into dealer financing by Friday. The member gets a call naming the missing item, uploads it or drops it at the branch, and the lender can finish the file.
A loan or mortgage application marked as waiting on the member.
Calls with the exact item, texts the upload link or books a branch drop-off.
Applications complete sooner, and a list of members who need the lender.
How it works
- Finds the waiting files
Applications where the lender has marked something missing: a pay stub, an employment letter, a bill of sale, proof of insurance on the vehicle.
- Calls with the one item
"Kim just needs your most recent pay stub to finish your car loan." No account details, just the item.
- Offers two ways
Upload from their phone with a secure link, or bring it to the branch. A drop-off time is booked if they'd rather come in.
- Checks it came in
When the document lands, the lender is told and the file moves. If it doesn't, she checks back once.
- Hands back the questions
Questions about terms, the payment or the approval go to the lender, with a callback booked.
Example call
- AI agentHi Mr. Ferreira, it's Emma from Prairie Shores Credit Union. Got a minute? It's about your car loan with Kim.
- CustomerYes, is something wrong?
- AI agentNot at all. She just needs your most recent pay stub to finish it. You can upload a photo, or drop it at the Lethbridge branch.
- CustomerI can take a picture tonight.
- AI agentPerfect. I'll text you the secure link now. Once it's in, Kim will have everything she needs.
- CustomerThanks. Do you know when I could pick up the car?
- AI agentThat's Kim's call once the file's done. I'll ask her to call you tomorrow morning with timing.
After the call: Mr. Ferreira uploads the pay stub at 8:15 that evening. Kim sees it first thing, finishes the loan, and calls him by 10 with the funding timing.
What your team gets
- Applications finished sooner, with fewer abandoned to dealer financing
- The exact missing item named on every call
- Uploads and branch drop-offs tracked on the application
- Lender callbacks booked for questions about terms
- A daily list of files still waiting
Questions
Does it talk about the loan amount or rate?
No. It names the document that's needed. Everything about terms goes to the lender.
What if the member doesn't have the document?
She notes why and books a callback with the lender, who can suggest another way.
Can it call about mortgages too?
Yes, with its own list of documents and timing for mortgage files.
Hear it on your phone
Request a demo call and the agent phones you, set up for credit unions like yours.