Debt type: Personal Loans
Installment loans, kept current and recovered.
Unsecured personal loans have no collateral, so recovery depends entirely on reaching the borrower and finding a payment that works. HL Hunt does both from the first missed installment through charge-off, in your brand voice, within every rule.
- Free plan, no credit card
- FDCPA, TCPA & Reg F enforced
- Outreach live in under an hour
- Commission only on recoveries
- -23%
- Roll from 30 to 60 days past due
- <1 hr
- From missed payment to first outreach
- 38%
- Higher recovery vs. industry average
- UDAAP
- And state servicing rules enforced
How HL Hunt collects personal loans
Immediate, gentle outreach
A branded reminder with a pay link within an hour of a missed installment, before the borrower disengages.
Modification options
Deferments, reage, term extensions, and reduced payment plans offered as clear choices based on affordability.
Autopay re-enrollment
Failed autopay is the most common cause of delinquency. Card update and re-enrollment links fix it in one step.
Roll-rate reduction
Score-driven intensity focuses effort where it changes outcomes across early, mid, and late buckets.
Charge-off transition
Accounts that charge off move to third-party strategy, agency placement, or sale with complete histories.
LOS integration
Native connectors and API for placement, status, and payment sync with your loan origination and servicing systems.
Start recovering personal loans today.
Create a free account, upload your first accounts, and compliant AI outreach starts within the hour. No credit card, no contract.
How it works
- 01
Place accounts
Upload a CSV, connect your system, or push personal loans through the API with balances, itemization, and consent data.
- 02
AI runs the right strategy
Collectability scoring sets intensity, the waterfall picks channels, and every contact is checked against the rules that apply to this debt type.
- 03
Resolve and sync
Payments, plans, disputes, and status updates flow back to your system in real time with full audit trails.
Early-stage collections is a retention problem
A borrower ten days past due on a personal loan is still your customer. They probably intend to pay and are embarrassed or disorganized rather than unwilling. The way you reach them in this window determines whether they cure quietly, churn, or roll into late-stage delinquency where recovery falls and costs climb. Most lenders handle it with a generic dialer campaign or an agency that does not know the product.
HL Hunt treats early-stage outreach as an extension of your customer experience. Messages are in your brand voice, acknowledge the relationship, and lead with solutions: a one-tap payment, a reschedule, a short plan, an autopay fix. The AI chooses the channel and time each borrower is most likely to respond to and escalates only as needed. Every contact is checked against UDAAP, TCPA, and state servicing rules.
For accounts that do roll, nothing is lost. The full history travels with the account into third-party strategy, agency placement, or sale, so the next stage starts informed.
What changes
HL Hunt vs the traditional approach
| HL Hunt | Traditional collections | |
|---|---|---|
| Personal Loans rules | Type-specific laws, itemization, and strategy applied automatically | One generic workflow for every debt |
| Who does the work | AI contacts, converses, negotiates, and collects; humans handle exceptions | Agents on a dialer working whatever fits in the day |
| Compliance | Every contact checked against FDCPA, TCPA, Reg F, and state law before it happens | Training, scripts, and audits after the fact |
| Channels | SMS, email, AI voice, letters, and a self-service portal chosen per debtor | Phone calls and letters on a fixed schedule |
| Coverage | Every account worked, including small balances | Large balances worked; the rest ages out |
| Visibility | Every message, transcript, promise, and payment live in your dashboard | A monthly PDF report |
| Cost | Free to $649 a month plus 3% to 26% commission; Enterprise custom | 25% to 50% contingency, or seats plus modules plus services |
Pricing
Start free. Pay only on what you recover.
Personal Loans is included on every plan. Start at $0 a month with 50 active collections, and move up as your portfolio grows. Commission falls from 26% on Free to 3% on Enterprise, and it is charged only on money actually recovered.
Enterprise: unlimited collections, seats, SMS, voice, and email with a 3% commission, SOC 2 reports, DPA, and dedicated support.
- $0
- Free
- $149
- Basic, per month
- $349
- Growth, per month
- $649
- Scale, per month
50 active collections · 26% commission · 1 seat
250 active collections · 15% commission · 3 seats
1,000 active collections · 10% commission · 10 seats
5,000 active collections · 6.5% commission · 25 seats
Everything included
One platform covers all of it
Personal Loans is one part of the platform. Every HL Hunt plan, from Free to Enterprise, includes the full collections stack, so you never bolt on a second vendor as your portfolio grows.
- AI outreach engineRight channel, right time, right words for every debtor.Learn more
- SMS, email & lettersEvery channel, orchestrated per account.Learn more
- AI voice agentCompliant calls that take payments and hand off.Learn more
- AI payment plansAffordability-based plans negotiated automatically.Learn more
- Payments & portalCard, ACH, and wallets with a self-service portal.Learn more
- Compliance engineFDCPA, TCPA, Reg F, and 50 states, on every contact.Learn more
- Disputes & validationNotices, disputes, and cease requests handled.Learn more
- Recovery analyticsLive liquidation, channel, and cohort reporting.Learn more
- API, CSV & MCP serverConnect your LOS, billing, or let your agent do it.Learn more
Get started
Go live with Personal Loans today
Create a free account, upload your first accounts, and AI outreach begins within the hour. No credit card, no contract, no implementation project. Here is what to have ready.
Prefer to talk first? info@hlhunt.org
- 01A CSV or system export of delinquent accounts: name, contact details, balance, and itemization
- 02Consent and contact-preference data you hold for phone numbers and email addresses
- 03Your legal entity, any collection licenses you hold, and the states you collect in
- 04Brand assets and tone preferences for outreach in your name
- 05Settlement authority and payment plan rules you want the AI to follow
Personal Loans FAQ
Does the FDCPA apply to first-party loan collections?
Generally no, but UDAAP and most state laws apply to creditors collecting their own debts. HL Hunt applies the stricter applicable standard and lets you adopt FDCPA practices voluntarily.
Can HL Hunt handle both pre- and post-charge-off?
Yes. Different waterfalls, tones, and disclosures apply at each stage, and accounts transition automatically on charge-off.
How does integration with our loan system work?
Native connectors for common LOS platforms, or the REST API and SFTP for anything else, with placement, status, and payments syncing both ways.
What about state interest rate and fee rules after default?
Post-default interest and fee limits vary by state and are applied per account so balances asserted are always lawful.
Still have questions?
Talk to a collections specialist, or start free and see the platform for yourself.
Start recovering more today.
Create a free account, upload your first accounts, and compliant AI outreach begins within the hour. Pay commission only on what you recover.