How much does Lendingpad cost?

When you ask “How much does Lendingpad cost?” you’re usually comparing the platform subscription your lending team already pays to any additional support tools. Chatref sits next to Lendingpad, not inside it, so your Chatref costs are completely separate - based only on the conversations your AI agent handles. There’s no monthly subscription on our side, no per‑seat fees, and no contract. You prepay credits, each response costs 1‑5 coins depending on complexity, and you top up as needed. When the bot is idle, you pay nothing.

Because Chatref works from your Lendingpad documentation, you avoid the risk of a chatbot making up answers about loan products, rates, or eligibility. The answers stay grounded in your exact content, so your end customers get accurate support while your team stays free to focus on complex cases.

Pay-as-you-go is the only model - no monthly plans, no per‑bot charges, and no feature gates. All capabilities (unlimited agents, custom branding, lead capture, analytics, and the shared inbox) come on every account, even when you’re using the free $50 credit.

For a lending platform integration, this means you can:

• Add your Lendingpad help center, rate sheets, and policy PDFs as training sources
• Set up a separate agent for different lines of business (mortgages, personal loans, auto) at no extra cost
• Embed the widget on client portals and application pages so borrowers get instant answers
• Monitor the conversation inbox to see what questions your agents handle and what the AI resolves

The $50 free credit is applied automatically on signup, with no credit card required, and it never expires. After that, you purchase credit blocks that you control - no automated top‑ups unless you choose them.

Chatref’s onboarding walks you through uploading the documents that matter: your Lendingpad‑specific product guides, fee schedules, eligibility checklists, and frequently asked questions. The builder accepts PDFs, URLs, sitemaps, and plain text, so you can point it directly at your existing Lendingpad knowledge portal or upload a folder of files.

During onboarding, you’ll:

1. Add your content - pull in Lendingpad resources or type in custom Q&A pairs.
2. Choose your agent’s tone and brand colors to match your lending practice.
3. Test responses in the live playground to see how the bot answers real borrower questions like “what’s the current rate for a 30‑year fixed?” or “how do I lock my rate?”
4. Deploy the widget snippet to your application portal or support page.

The process is designed for a non‑technical operator to complete in under an hour, so you can be answering lending questions the same day.

Custom-actions let your Chatref agent collect structured information right inside the chat, like loan amount, property type, estimated credit score, and contact details - then hand that off to your team or trigger a callback request. This turns casual website visitors into qualified leads without any human intervention.

Conversation-tags automatically label chats based on topic: “rate inquiry,” “application status,” “escrow question,” “document request.” You can see at a glance which issues crowd your support queue and refine your Lendingpad knowledge base so the agent handles more on its own. Tags also feed the insights digest, which sends you a weekly email summarizing what borrowers are asking - so you know which content to add or update.

There’s no setup fee and no commitment. Create your Chatref account, claim your $50 free credit, and connect your Lendingpad content. You can run multiple agents, test custom‑actions, and review conversations without spending a cent of your own money. Once you see the deflection numbers and lead captures, you decide when to add more credit. All features stay active, all data stays intact - no 14‑day deletion, no expiry.

What is included in the Lendingpad subscription?

Lendingpad’s subscription details are managed by Lendingpad and vary depending on your plan, modules, and user count. Chatref doesn’t resell or bundle Lendingpad, so we can’t list exact pricing here. However, you can train your Chatref agent on Lendingpad’s publicly available pricing docs so the bot answers “What’s included in my Lendingpad subscription?” directly from that content. For plan specifics, reach out to your Lendingpad account representative.

Are there any hidden fees with Lendingpad?

We’re not responsible for Lendingpad’s billing, but Chatref has no hidden fees of any kind. There are no setup charges, no per‑bot add‑ons, no branding‑removal fees, and no annual contracts. The $50 free credit is exactly that - free, with no card required. After that, you pay only for the coins you purchase, and unused credit never expires. If a hidden fee were associated with Lendingpad, it wouldn’t come from the Chatref side.

How does Lendingpad pricing compare to other lending platforms?

We don’t publish comparison charts for third‑party platforms, but your Chatref agent can help you evaluate cost‑per‑inquiry across any lending platform you use. By deflecting routine rate checks, status questions, and document requests, the AI reduces the number of manual tickets your team handles, regardless of the underlying LOS or POS system. That efficiency gain often outstrips small differences in platform subscription fees. Chatref’s pay‑as‑you‑go model means the support cost scales with actual usage, so you’re not paying for idle time while comparing platforms.