When reviewing a loan application, it’s vital to understand the applicant’s full financial picture, and that includes any loans they’ve previously had with your credit union.
There no longer any need to switch between systems or to check your core platform. NestEgg enables you to see your credit union’s own loans directly in the Payments sub-tab of the Credit tab in the application Dashboard.
How it works
This feature works by checking the applicants credit file to see if they hold (or have held) accounts with your credit union.
If an applicant has previously held a loan and the matching is correctly configured, you’ll automatically see:
All loans the applicant has had with your organisation in the last 36 months
The current balance for each of these loans
The payment status (e.g. up to date, 1 month in arrears, defaulted, etc.)
A 36-month repayment history for each loan. As a result, you can see how consistently they’ve been paying
(learn more about repayment histories for other accounts here)
These accounts are clearly marked and grouped so you can focus on the applicant’s loan history with you — without leaving NestEgg.
Where to find it
Go to the Credit tab in the application
Open the Payments sub-tab
Use the filter at the top to show:
Only loans held with your organisation ("Our Loans")
Or all other accounts
When you select "Our Loans," the accounts table will filter to only show each of the applicant’s loans with your credit union.
You’ll be able to access the detailed repayment information about each account by selecting it from the table.
Why it matters
This information is just as important as any credit score or external debt:
✅ See if the member has repaid previous loans on time
✅ Identify recent arrears or payment patterns
✅ Make faster, fairer lending decisions, all in one place
Top-up Loans
When a loan is topped up and is not a revolving credit account, the original account is marked as settled and a new account is opened on the member’s credit file.
This means you’ll see:
The member’s previous loan in the Paid Accounts section
The member’s current loan in the Active Accounts section (unless they’re in arrears or default)
Example:
A member took out a loan in March and made their repayments on time:
In November, the account was marked as settled because they took out a new top-up loan:
Revolving credit accounts
If your organisation offers revolving credit accounts and correctly reports them to TransUnion, you’ll see the full 36-month history of that account.
Unlike unsecured top-ups, the balance on a revolving credit account simply fluctuates as finance is drawn down — the account isn’t settled and replaced.
Example:
A member took out £800 of revolving credit in July. Twelve months later, after making regular repayments, they drew down additional credit back up to the £800 limit. They repeated this again the following April.
Don’t see your own loans?
If you’re not seeing your organisation’s loans correctly identified, it could be due to missing or incomplete configuration.
This feature relies on coordination between NestEgg and TransUnion, and we aim to set this up as standard during onboarding. If your credit union's own loans aren't appearing as expected, please get in touch:
📧 [email protected]
Or speak to your Client Success Manager
We’ll help ensure the necessary setup is in place so you can get the most out of this feature.
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