Dynamic fee types define the rules for fees that can be charged on loans — late fees, NSF fees, service fees, modification fees, purchase fees, and foreign transaction fees. Each dynamic fee type is associated with a specific loan type. The Admin Portal provides a read-only view of your configured dynamic fee types.
Availability: All clients Required permissions: loan.type:list (to view)
Note: Dynamic fee type configurations are read-only in the Admin Portal. To create or modify dynamic fee types, use the Peach API.
From the Admin Portal sidebar, select Dynamic Fee Types. Before the table appears, you must select a loan type from the dropdown at the top of the page. Dynamic fee types are always viewed in the context of a specific loan type.
- From the Dynamic Fee Types page, select a loan type from the dropdown.
- The table displays all dynamic fee types configured for that loan type.
| Column | Description |
|---|---|
| ID | The dynamic fee type identifier (DFT-XXXX-XXXX). Select to view the full configuration. |
| Configuration Name | The display name of the fee type. |
| Fee Type | The category of fee: lateFee, modificationFee, purchaseFee, nsfFee, serviceFee, membershipFee, or foreignTransactionFee. |
| Last Updated | The date and time the configuration was last modified. |
The list displays 10 fee types per page.
Select a fee type's ID to open the configuration detail page. The page displays the full configuration as formatted JSON, with an icon toggle in the upper right to switch between Pretty and Raw JSON views.
The dynamic fee type JSON object contains these major sections:
| Section | What it controls |
|---|---|
name | The display name (displayName) and API name (apiName) of the fee. The API name is unique per loan type. |
feeType | The category of fee (late fee, NSF fee, service fee, etc.). |
chargeLogic | When and how the fee is charged: timing (per loan period, calendar period, ad hoc), buffer days before charging, and conditions (e.g., whether to charge when no outstanding principal). |
amountLogic | How the fee amount is calculated: fixed amount, percentage of principal, percentage of overdue balance, or custom calculation. Includes geographic variations by country and state. |
capLogic | Limits on fee amounts: annual caps, total caps, or unlimited. Includes geographic variations and year-range specifications. |
appliedToDraws | Whether this fee applies to individual draws (relevant for line of credit loans). |
drawApplicationLogic | If applied to draws, whether it applies to all draws or selected draws. |
sendNotice | Whether a notification is sent to the borrower when this fee is charged. |
capitalizationLogic | When the fee is capitalized into the loan balance (e.g., on charge). |
| Fee type | Description |
|---|---|
lateFee | Charged when a payment is overdue. Supports buffer periods, pyramiding rules, and per-period or calendar-based charge timing. |
nsfFee | Charged when a payment fails due to insufficient funds. Triggered ad hoc based on failure reasons. |
serviceFee | A recurring or ad hoc fee for loan servicing. Can be applied to individual draws on line of credit loans. |
modificationFee | Charged when loan terms are modified. |
purchaseFee | Charged on purchase transactions (line of credit only). |
membershipFee | A recurring or ad hoc membership fee charged for access to the loan product. |
foreignTransactionFee | Charged on foreign transactions (line of credit only). |