Liberty Lending Case Study

Digital Platform for
Innovative Loans
Tablet screen showing Reach Financial website with personal loan details, including loan amounts from $3,500 to $40,000 and customizable monthly payments, plus a loan amount input and loan purpose dropdown to check rates.

Client Overview

Liberty Lending is a fintech company that offers consumers a digital banking and lending platform with the mission of helping everyone make financial progress.

Liberty has broadened their mission beyond lending, and is focused on innovating more widely in banking and personal finance to empower consumers and give them the access and confidence to make better financial decisions.

Three digital devices displaying Reach Financial website pages on a gray surface: a tablet shows a contact page with a city skyline image; one phone shows a personal loans page with a photo of people jumping; another phone shows a menu with options like Make a Payment and Auto Pay.

Project Goal

Implement a new design based on a brand overhaul across desktop, tablet and mobile screens.

Refactor the codebase of the original Liberty Lending website and revamp the overall responsive user interface with cross browser compatibility and assist with platform enhancements to help users achieve their financial goals effortlessly.

Enhance search engine optimization implementation and discoverability across the site.

Services Provided

Website development using React
Product logo
SEO integration within codebase
Secure user authentication
Improved site performance score

Approach

Step 1
The tasks were broken down into weekly sprints and new features were released at the end of each sprint cycle

Step 2
Created modular components as per the figma design requirements.

Step 3
Built a highly efficient and modular codebase. This approach helped with seamlessly rebranding the site and easy incorporation of all the functional and styling changes that came with the rebranding

Tools

Figma logo
Figma
Salesforce logo
Salesforce
HTML logo
HTML
Redux logo
Redux
CSS logo
CSS
JavaScript logo
JavaScript
React Native logo
React

Solution

Prequalification

Three smartphone screens showing loan application process: left screen with form fields for first name, last name, email, phone number under 'Get your rate in minutes'; center screen with address and financial detail fields including home address, city, state, ZIP code, gross annual income, employer name, employment type; right screen showing pre-qualification result with loan amount requested $18,000, amount qualified $20,000, and buttons to proceed with these amounts.

Registration

A financial summary titled 'Money Direct to Your Account' showing an $18,000 loan amount, $16,000 payout to creditors, and $2,000 money direct to the user, with an option checkbox to decline direct money.
A webpage section titled 'Connect your bank account' showing perks: faster loan approval, funds within 2 days, no manual entry, and simplifies AutoPay. Below, instructions say connecting your bank will automatically verify and submit account info without accessing usernames or passwords. Six bank options are displayed as buttons: Chase, Wells Fargo, Bank of America, PNC, USAA, and a button to search 15,000+ banks if yours is not listed. A note states users can upload bank statements later if they prefer not to connect their bank.

Post-Registration Loan Management Dashboard

Reach Financial loan management dashboard greeting user Yiu, showing remaining principal balance $29,123.49, 44 payments remaining, and 0% paid off with autopay on. Payment information lists next payment due $1,600.00 on 3/12/2021 with no overdue amount. Credit score gauge shows 675 as a good score. Alerts include advice on making extra payments and hardship options to get back on track with links to fix bank account and call support.

Results

The project resulted in implementation of redesigned pages, cross browser compatibility across Chrome, Edge, Safari and Firefox, responsive design incorporating desktop, tablet and mobile viewing, search engine optimization and improved site performance scores for Liberty Lending.