Engage Borrowers,
Reduce Delinquency.
Engage Borrowers,
Reduce Delinquency.
Payce rewards your borrowers for making payments on their auto loans.
Integrates with leading systems in auto servicing
Made for the Auto Industry
Made for the Auto Industry
Modern tools to empower borrowers, incentivize behaviors, and increase servicing efficiency.
Modern tools to empower borrowers, incentivize behaviors, and increase servicing efficiency.


For the Borrower
Increase borrower self-servicing and engagement with an experience that is both flexible and rewarding.
Increase borrower self-servicing and engagement with an experience that is both flexible and rewarding.
For the Borrower
Increase borrower self-servicing and engagement with an experience that is both flexible and rewarding.
For the Borrower
For the Servicer
Enhance your portfolio management with Reward Boost, visualization, and next-level analytics.
For the Servicer
Enhance your portfolio management with Reward Boost, visualization, and next-level analytics.
For the Servicer
Enhance your portfolio management with Reward Boost, visualization, and next-level analytics.



For the Servicer
The Future of Automotive Servicing
The Future of Automotive Servicing
The Future of Automotive Servicing
Drive performance with a platform built to enhance collections, reduce delinquency, and seamlessly align with your existing infrastructure.
Drive performance with a platform built to enhance collections, reduce delinquency, and seamlessly align with your existing infrastructure.
Drive performance with a platform built to enhance collections, reduce delinquency, and seamlessly align with your existing infrastructure.


Native Compatibility
Integrates with existing auto lending stack, including OFSLL , Shaw Systems, and any API-driven payment processor.

Native Compatibility
Integrates with existing auto lending stack, including OFSLL , Shaw Systems, and any API-driven payment processor.


Day-0 Engagement
Built-in rewards engine focuses borrowers on making auto payments amid competing reward platforms.

Day-0 Engagement
Built-in rewards engine focuses borrowers on making auto payments amid competing reward platforms.


Built for Enterprise
Equip your team with proactive tools, scalable across all your portfolios, regardless of borrower type.

Built for Enterprise
Equip your team with proactive tools, scalable across all your portfolios, regardless of borrower type.
Built by Insiders
Built by Insiders

John Valanidas
Co-Founder

John Valanidas
Co-Founder

John Valanidas
Co-Founder

Justin Mankita
Co-Founder

Justin Mankita
Co-Founder

Justin Mankita
Co-Founder

P.J. Goben
Advisor

P.J. Goben
Advisor

P.J. Goben
Advisor

Howard Spira
Advisor

Howard Spira
Advisor

Howard Spira
Advisor

Siddhartha Oza
Advisor

Siddhartha Oza
Advisor

Siddhartha Oza
Advisor

Adam Cohen
Advisor

Adam Cohen
Advisor

Adam Cohen
Advisor
We’re a founding team with 25+ years of combined experience in product development, consumer lending, and business strategy, backed by advisors who’ve led in fintech innovation, subprime auto-loan servicing, and enterprise engineering. Together we bring a hands-on, results-driven approach to solving challenges and delivering impactful solutions to auto loan servicers.