About Decision Lender


Decision Lender is a cloud-based consumer loan origination solution that helps credit unions, banks and finance companies automate the lending process. With configurable dashboard and analytics, the platform enables users to process all kinds of loans including direct, indirect, retail and merchant.

Decision Lender allows online and mobile lending along with deposit account opening. Serving as a real-time business monitoring tool, its prime features include automated underwriting, forms and contracts, exemption tracking, e-signature, online document sharing, custom dealer rating, application tracking and more. Additionally, it provides role-based authorization, automatic counter offer letters and user-defined rules for gaining insights into operations via analytics.

Decision Lender integrates with in-store kiosks, Dealertrack, RouteOne and CUDL and helps facilitate digital processing and storage of information. The pricing of Decision Lender is available on request and support is extended via phone, email and an online help desk.



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Supported Operating System(s):

Web browser (OS agnostic)

7 Reviews of Decision Lender

Average User Ratings

Overall

4.86 / 5 stars

Ease-of-use

5.0

Value for money

4.5

Customer support

5.0

Functionality

4.5

Ratings Snapshot

5 stars

(6)

4 stars

(1)

3 stars

(0)

2 stars

(0)

1 stars

(0)

Likelihood to Recommend

Not likely

Very likely

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Showing 1-7 of 7 reviews

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May 2017

Lacey from Financial One Credit Union

Company Size: 11-50 employees

Review Source: Capterra


Ease-of-use

5.0

Value for money

5.0

Customer support

5.0

Functionality

5.0

May 2017

Every interaction that we have ever had with the team at TCI has been positive. They are so helpful.

Because the product is so efficient, we are able to close more deals and provide faster response times, which sets us apart from other lenders in the industry. We're also able to keep a good touch on every level because the reporting functionalities are so superior.

Pros

The functionality and features of the product are what we like best. Because all of the information that we need to make a decision is at our fingertips, TCI allows us to make quick decisions which our dealers appreciate and continue to rave about. Our average decision time went from over 15 minutes to less than 3 minutes, which allows us to close more deals and solidify our relationships with the dealers. Many of our dealers have communicated that we are their preferred lender because of how quickly we can decision an application.

We have also found the reporting capabilities to be far beyond comparison of other products that we have used.

Cons

If I had to choose one thing that I don't like right now, I would have to say it would be the process to make changes to rules, however; we're currently looking at upgrading to Decision Lender 4, which will allow us to make the changes within minutes and really elevate our lending products.

September 2016

Joseph from HomeTrust Bank

Company Size: 501-1,000 employees

Review Source: Capterra


Ease-of-use

5.0

Value for money

5.0

Customer support

5.0

Functionality

4.0

September 2016

TCI Decision Lender

Very responsive sales and support staff. Product is intuitive to use and quick learn. Ample job aids are provided.

Pros

Common sense orientation. Structured fro industry specific needs of auto finance. Easily customizable to clients needs.

Cons

Learning curve of new presentation format and navigating change of something new. Calibrating values of various fields with in software is a minor challenge.

September 2016

Darlene from Erie Federal Credit Union

Company Size: 51-200 employees

Review Source: Capterra


Ease-of-use

4.0

Value for money

4.0

Customer support

5.0

Functionality

4.0

September 2016

TCI's integration w/ Dealer Track & Route One has helped us increase applications & book loans

Everyone with TCI is very helpful. From the very beginning TCI introduced us to other end users. TCI helped to facilitate a visit with one user so we could see first hand how the software works and the integration with our core system. The implementation team was great on assisting and walking us through the steps of set up and building our software to meet our current policy and procedures. TCI staff was available to help us after we launched and went live with Decision Lender. Follow up with us by our representative has been consistent and appreciated.

Pros

The integration with Symitar, Dealer Track and Route One. The ability to have system approvals.
Funding is very easy.

Cons

Decision Lender 3.5 does not allow system counters or underwriting adjustments on the fly. To have these features we will need to upgrade to 4.0.

September 2016

Lori from Heartland Credit Union

Company Size: 51-200 employees

Review Source: Capterra


Ease-of-use

5.0

Value for money

5.0

Customer support

4.0

Functionality

5.0

September 2016

Indirect Software

Excellent system with great workflow! Heartland Credit Union has been a user since 2012. We could not have processed an average of over 1000 applications per month (in a timely manner with existing staff) if we did not have this software.

Pros

Intuitive and great workflow. Easy to use and train.

Cons

There have been a few times the system has gone down in the last year for various reasons. Indirect is a "time game", so it is difficult when this happens. We have probably been spoiled since we had very little down time for the first 3 years on the system.

November 2018

Blake from Altitude Finance

Company Size: 11-50 employees

Review Source: Capterra


Ease-of-use

5.0

Value for money

5.0

Customer support

5.0

Functionality

5.0

November 2018

Good Experience

We were able to automate processes we have never been able to do before from document selection, automate rate adjustments, auto counter offers and more!

Pros

The software is highly configurable and does a lot more than any other platform we have used at our Credit Union.

Cons

Highly recommend you take the administrators course so you can learn all that it can do!

September 2016

Dan from City of Boston Credit Union

Company Size: 51-200 employees

Review Source: Capterra


Ease-of-use

5.0

Value for money

5.0

Customer support

5.0

Functionality

5.0

September 2016

Great Indirect Lending Link!

I have been using this software for a few years. As a small indirect lending in Boston needing occasional assistance, they are great at keeping our products live!

Pros

Easy to use and make decisions

Cons

Nothing that I have noticed!

September 2016

Felicia from Enrichment Federal Credit Union

Review Source: Capterra


Ease-of-use

5.0

Value for money

3.0

Customer support

5.0

Functionality

5.0

September 2016

Great job TCI!

We just went through a core conversion and TCI was great to work with. They were very patient and worked with us to get everything built correctly before we went live. Jan Whittaker is a great asset to TCI!