---
title: The MessagePay Effect on Loan Payments and Delinquency
description: See what effect the MessagePay system has had for one California credit union.
---

[Content ](https://www.cunastrategicservices.com/content)

# [The MessagePay Effect on Loan Payments and Delinquency](https://www.cunastrategicservices.com/content/messagepay-effect-on-loan-payments-and-delinquency)

 Written by [MessagePay](https://www.cunastrategicservices.com/content/author/messagepay) | Feb 17, 2026

By [MessagePay ](https://www.cunastrategicservices.com/learn-more-messagepay)

This comparison chart illustrates the remarkable growth and evolution in MessagePay's loan payment transactions over two distinct 14-month periods, highlighting the platform's increasing adoption and effectiveness. The top graph, covering November 2022 to January 2024, shows a total of 1,585 payments with a right-skewed distribution, indicating that many users paid later than due – often days or weeks past the deadline – while early payments were minimal. Bars are segmented by payment method, with teal representing portal-initiated transactions and green for admin-assisted ones, peaking at around 100 payments on the busiest days and reflecting a nascent stage with fewer self-service options.

In contrast, the bottom graph for November 2024 to January 2026 reveals explosive growth to 35,021 total payments, driven by more on-time and early submissions, as evidenced by a towering spike at zero days past due and additional peaks on specific dates (-5, 5, 8, 13, 18, 23, 28) influenced by strategic texting reminders. The introduction of scheduled payments (dark green) alongside portal and admin methods underscores enhanced self-service features, resulting in a more efficient, member-responsive system that reduces delinquency and boosts overall transaction volume.

Connect with [MessagePay ](https://www.cunastrategicservices.com/learn-more-messagepay)to learn more.

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