The deferral tools let you postpone borrower payment obligations. Use Defer due date to move a single due date, Defer schedule to push out the entire payment schedule by a number of days, or Defer remaining balances to capitalize overdue balances on a Line of Credit and make the borrower current. Deferrals cannot be reversed.
Availability: All clients Required permissions: loan:duedate.defer (defer due date); loan:schedule.defer (defer schedule); loan:defer.remaining.balances (defer remaining balances) Loan status: active Loan types: Defer due date and Defer schedule: installment only (not single-term); Defer remaining balances: Line of Credit only
Moves a single past or future due date to a new position in the schedule. The loan term may extend by one payment period if you add the deferred date after the last due date.
Important: Deferring a due date cannot be reversed. If you select a past due date, the system replays the loan from that date, which can take up to 10 minutes. The preview may not be accurate for past due dates — check the Activity section after the replay completes.
- From the agent-view Borrower Portal, open the loan and select Loan options > Defer due date.
- Select the Existing due date to defer from the dropdown.
- Select the New due date from the dropdown. Options include Add after last due date (which extends the loan term) or any future due date after the selected existing due date.
- Review the fee amount displayed. If a fee is configured and the amount is greater than zero, optionally select Waive fee to waive it.
- Optionally clear or keep the Send notice to borrower checkbox (selected by default).
- Select Preview to generate the updated payment schedule. Review the schedule before proceeding.
- If your company requires a Case ID, select a case from the Case ID dropdown. See Global behaviors — Case ID requirement.
- Select Defer due date.
Important: If the loan has Autopay enabled, an alert warns that deferring a due date may affect automatic payments.
| Field | Description | Required | Values / Format |
|---|---|---|---|
| Existing due date | The due date to move. Can be a past or future due date. | Yes | Select from obligations and expected payments |
| New due date | Where to place the deferred due date. | Yes | Select: Add after last due date, or a future due date after the existing date |
| Fee amount | The deferral fee, if configured. Displays $0.00 if no fee applies. | — | Read-only (currency) |
| Waive fee | Waives the deferral fee. Only actionable when the fee is greater than zero. | No | Checkbox |
| Send notice to borrower | Sends an email to the borrower about the deferral. | No | Checkbox (default: selected) |
| Payment schedule | Preview of the updated schedule. Select Preview to generate. | Yes (must preview) | Read-only schedule display |
| Case ID | The case associated with this action. | Conditional | Select from open cases. Required when forceCaseIdOnAgentActions is enabled. |
Pushes out the entire payment schedule by a specified number of calendar days. The system identifies due dates between today and today plus the specified number of days, and moves them to the end of the loan.
Important: Deferring a schedule cannot be reversed.
- From the agent-view Borrower Portal, open the loan and select Loan options > Defer schedule.
- Enter the number of Days to push out schedule.
- Review the fee amount displayed. If a fee is configured and the amount is greater than zero, optionally select Waive fee.
- Optionally clear or keep the Send notice to borrower checkbox (selected by default).
- Select Preview to generate the updated payment schedule. Review the schedule carefully before proceeding.
- If your company requires a Case ID, select a case from the Case ID dropdown.
- Select Defer schedule.
| Field | Description | Required | Values / Format |
|---|---|---|---|
| Days to push out schedule | The number of calendar days to push the schedule forward. Due dates falling within this window are moved to the end of the loan. | Yes | Number |
| Fee amount | The deferral fee, if configured. | — | Read-only (currency) |
| Waive fee | Waives the deferral fee. | No | Checkbox |
| Send notice to borrower | Sends an email to the borrower. | No | Checkbox (default: selected) |
| Payment schedule | Preview of the updated schedule. Select Preview to generate. | Yes (must preview) | Read-only schedule display |
| Case ID | The case associated with this action. | Conditional | Select from open cases. Required when forceCaseIdOnAgentActions is enabled. |
Capitalizes overdue or due balances for past due dates on a Line of Credit, making the borrower current. The deferred principal, interest, and fees are added back to the principal balance. This may result in the borrower accruing more interest in the future.
Important: Deferring remaining balances cannot be reversed. This tool only applies to due dates where a statement has already been generated and a remaining balance exists.
- From the agent-view Borrower Portal, open the Line of Credit loan and select Loan options > Defer remaining balances.
- Optionally select the scope from the Applicable to dropdown: the line of credit and draws, or a specific draw.
- The Deferral type is set to Capitalize remaining balance.
- Select the Due date mode:
- All due dates with remaining balances — Defers all overdue and due balances.
- Only the most recent due date — Defers only the most recent due obligation. This option is disabled if the most recent obligation is already fulfilled.
- Range of due dates from oldest due date — Defers balances from the oldest due date through a date you select. This option is disabled if only one due date exists.
- If you selected Range, select the end of the range from the Due date dropdown. The oldest due date is shown as a read-only reference.
- Select Preview to review the deferred balances before committing.
- If your company requires a Case ID, select a case from the Case ID dropdown.
- Select Defer remaining balances.
Deferrals must not create gaps in the obligation timeline. For example, if a borrower has overdue balances for June 5, July 5, and August 5: you can defer June 5 only, June 5 and July 5, or all three — but you cannot defer only July 5 (which would leave a gap at June 5). The one exception is that you can always defer only the most recent due date regardless of earlier overdue obligations.
| Field | Description | Required | Values / Format |
|---|---|---|---|
| Applicable to | Whether to defer balances for the line of credit and draws, or a specific draw. | No | Select: Line of credit and draws, or a specific draw |
| Deferral type | The type of deferral applied. Currently only one option. | Yes | Select: Capitalize remaining balance |
| Due date mode | Which due dates to defer. | Yes | Select: All due dates with remaining balances, Only the most recent due date, Range of due dates from oldest due date |
| Due date | The end of the range to defer. Only shown when due date mode is Range. | Conditional | Select from due dates with remaining balances |
| Preview | Summary of deferred balances. Must be generated before submitting. | Yes (must preview) | Read-only display |
| Case ID | The case associated with this action. | Conditional | Select from open cases. Required when forceCaseIdOnAgentActions is enabled. |