Why Leading Financial Institutions Choose Bankjoy Online Loan Applications
Transform your lending process with advanced identity verification and complete application lifecycle management—all integrated directly with your core banking system.

Seamless integration with industry-leading core banking systems for immediate processing
Co-applicants and co-signers receive direct invitations to complete their sections independently, eliminating bottlenecks.
Applications are automatically saved with persistent data storage, allowing applicants to return and complete at their convenience.
Complete visibility into application progress throughout the entire process.
Intelligent validation prevents submission errors and guides applicants through corrections.
Monitor applications through all stages—In Progress, Submitted, Failed, Approved, Rejected, and Canceled.
Send continue links to applicants with incomplete applications.
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Built for Modern Lending
OLA 2.0 isn't just an online loan application—it's a complete lending ecosystem that transforms both the borrower experience and your operational capabilities.
OLA 2.0 goes beyond traditional online applications to deliver a complete lending ecosystem that serves borrowers, co-applicants, co-signers, and your lending team with unprecedented efficiency and control.

Complete Lifecycle Management
OLA 2.0 transforms loan operations with powerful management tools, automated workflows, and comprehensive reporting capabilities.
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Centralized Dashboard
View, filter, search, and sort all loan applications from a single interface
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Detailed Application Views
Access complete applicant information including primary applicants, co-applicants, and co-signers

Manual Decisioning Workflow
Make approval, rejection, or cancellation decisions directly within the platform
Proven Results
OLA 2.0 delivers measurable benefits.
66% of Loan Applicants
Completed Their Process Online (Since 2020)
4 Customizable Steps
In Our Simple but Secure Loan Application Process
100% Mobile Responsiveness
Across All Devices
24/7
Application Availability
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An Integrated, Native Online Loan Application Solution
As part of Bankjoy’s suite of digital banking technology offerings, our online loan application product works as an augmented part of your Bankjoy digital banking platform.
Since 2015, we’ve helped credit unions and community banks on their mission to bring financial health to their communities via technology that enhances people’s everyday lives. JoyCompass is the next step on our journey of helping financial institutions and the people they serve.

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Frequently Asked Questions
With pre-built integrations for most major core platforms, getting started with Bankjoy is quick and easy! Basic implementations can take as little as 6 weeks.
It is important to be prepared and communicate the steps of the transition to your accountholders clearly and consistently. We have lots of great tips for how to do this in our How to Avoid Digital Banking Migration Disasters blog post.
Products like our online account opening and online loan application software take the friction out of the application process, significantly improving conversion rates. JoyCompass provides insights into what matters to your accountholders, giving you better cross selling opportunities. Our Vertical Banking solution helps you expand your reach into new niche markets to broaden your audience and grow your institution.
Check out our product pages for more information about each product, come see us at one of our upcoming events, or schedule a demo