--- title: "CALMS Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about CALMS Software - reviews, pricing plans, popular comparisons to other Loan Servicing products and more." source_url: "https://www.capterra.com/p/141964/CALMS/" page_type: "product" language: "en" --- # CALMS Software Review 2026: Features, Reviews, Integrations, Pros & Cons Last updated on August 26, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Features](#features)[Pricing](#pricing)[Support](#support)[Reviews](#reviews) CALMS ## What is CALMS? CALMS Loan Servicing is a sophisticated solution for managing the full lifecycle of contracts from activation through to settlement, maturity or renewal, and uses powerful tools for the full range of contract administration activities, including account review and request handling, contract changes, billing and accounting, maturity and termination, collections management, asset disposal etc. ## What is CALMS used for? [Loan Servicing](https://www.capterra.com/loan-servicing-software/) Top alternative Featured Overall rating Based on 3 user reviews Reviews sentiment Positive \- Neutral \- Negative \- Starting price £250000 Per User, Per Month Free trial not available Free version not included Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### CALMS 3.7 (3) VS. [4.9 (39)](https://www.capterra.com/p/254642/HES-LoanBox/reviews/) Starting Price £250000 per user, per month Starting Price $75000 Other, Per Year Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.0 (3) Ease Of Use 4.9 (52) Value For Money 0.0 (0) Value For Money 4.9 (50) Customer Service 3.5 (2) Customer Service 4.9 (51) ## CALMS alternatives [4.8 (288)](https://www.capterra.com/p/9277/The-Mortgage-Office/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 97% of reviewers rated it above 4 stars [4.8 (33)](https://www.capterra.com/p/147212/Construction-Loan-Manager/reviews/) Starting price $25.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars [Lendsqr](https://www.capterra.com/p/10003412/Lendsqr/) [4.5 (52)](https://www.capterra.com/p/10003412/Lendsqr/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 88% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/10003412/Lendsqr/) Highest Rated [Mortgage Automator](https://www.capterra.com/p/191761/Mortgage-Automator/) [4.9 (116)](https://www.capterra.com/p/191761/Mortgage-Automator/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 100% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/191761/Mortgage-Automator/) ## FAQs about CALMS Overview ### What company size and specific industries is CALMS built for? CALMS is designed for organizations in the automotive, equipment, and consumer finance sectors that need a multi-channel, end-to-end solution framework. The description does not specify a company size, so the product appears aimed at sector-specific businesses of any size with finance-related operational needs. Features and Usability ### What are the key features of CALMS? CALMS offers loan management, loan processing, and loan portfolio management, along with automated decisioning/underwriting, online applications, and payment collection. It also includes accounting, billing & invoicing, audit trail, document management, electronic signature, compliance management, borrower management, and third-party integration through an API. Getting Started and Support ### What training and onboarding options does CALMS offer? CALMS provides in person training, live online sessions, webinars, and documentation to help teams get started. In person and live online training support guided instruction, webinars cover scheduled group learning, and documentation offers written reference material for self-paced review and setup. Getting Started and Support ### What customer support options does CALMS offer? CALMS provides 24/7 live rep and chat support. Support is available through direct contact with a live representative or chat, giving users two ways to get help when needed. ## Features AI summary Based on 357 Loan Servicing reviews Capterra data shows that buyers of loan servicing software rank the following features as their top priorities: - **Borrower Management** (**52%** of reviewers rated this feature as critical) - **Payment Collection** (**58%**) - **Loan Portfolio Management** (**66%**) CALMS supports all three of the features reviewers consider most important: **Borrower Management**, **Payment Collection**, and **Loan Portfolio Management**. Together, these capabilities help businesses manage borrower relationships, collect payments more efficiently, and maintain visibility across active loans, allowing teams to improve servicing accuracy and keep daily operations organized. Loan Portfolio Management 4.0 (1) 0.00% of 1 reviewers that rated this feature as important or highly important Assess and control risks associated with the credit process of each loan portfolio/account Document Management 5.0 (1) 0.00% of 1 reviewers that rated this feature as important or highly important Store, manage, and track all electronic documents in a centralized location Accounting Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc. Amortization Schedule Create a table of loan payments showing dates, amount of principal, amount of interest, and remaining balance API Application programming interface that allows for integration with other systems/databases Audit Trail A record of all activities within the system, including user access, changes made, etc. CALMS 16 features ### All Features - Accounting: Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc. - Amortization Schedule: Create a table of loan payments showing dates, amount of principal, amount of interest, and remaining balance - API: Application programming interface that allows for integration with other systems/databases - Audit Trail: A record of all activities within the system, including user access, changes made, etc. - Auto Loans: Type of loan used to finance the purchase of a motor vehicle - Automatic Funds Distribution: Automatically transfers funds to/from borrower accounts on a regular or periodic basis - Borrower Management: Searchable database of information about loan borrowers - Business Loans: Type of loan used to finance business expenses - Collateral Tracking: Link and track collateral information associated with one or multiple loans - Compliance Management: Track and manage adherence to policies for any service, product, process, or supplier - Contact Management: Manage, organize, and store contact information - Document Management: Store, manage, and track all electronic documents in a centralized location - Loan Portfolio Management: Assess and control risks associated with the credit process of each loan portfolio/account - Loan Processing: Collect, organize, and prepare loan information to send to the lender for approval - Payment Collection: Tracking, managing, and initiating the transfer of funds for overdue customer payments - Third-Party Integrations: Set up connections to third-party platforms to improve business processes --- Features 2.7 (3) 2.7 Based on 3 reviews ## Pricing Basic £250,000 ## Support, customer service and training options Customer Service 3.5 (2) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 3.5 (2) 3.5 Based on 2 reviews ## User reviews Overall rating 3.7 Based on 3 reviews Filter by rating 5(0) 4(2) 3(1) 2(0) 1(0) Mentioned topic Sorted by most recent AN Anonymous User Branch Manager Financial Services ### "easy to use" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 3.0 3.0 Customer Service 0.0 0.0 Likelihood to Recommend 7/10 August 15, 2021 helping customers solve financial needs Pros love the flexibility of how adaptable it is to paperless lending Cons while it is very adaptable with working with other systems, it's not 100% transferable resulting in duplicate work on minor issues Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. FL Fehmeeda L. Director PMO Financial Services ### "CALMS Review" 4.0 Overall Rating 4.0 4.0 Ease of Use 3.0 3.0 Features 3.0 3.0 Customer Service 4.0 4.0 Likelihood to Recommend 7/10 August 15, 2019 Pros \- Decisioning Engine - Customizable for Customer Needs Cons \- Primarily hard coded; not enough configuration options - Not enough focus on UI/UX/Workflow - Modular system with Catalyst, Just J, CALMS makes the implementation harder since different skill sets are required to operate those technologies Alternatives considered [defi SOLUTIONS](https://www.capterra.com/p/144428/defi-SOLUTIONS/) Reasons for choosing CALMS At the time, Defi system was extremely new to the market. Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. Response from Vendor September 6, 2019 Many thanks for your review we always appreciate feedback. As you know, WCG and Exeter started their business relationship in late 2012 with a system go-live in July 2013. Exeter was one of WCG's first US clients and as such we spent considerable effort enhancing the pricing component & decision engine to facilitate the real time changes that Exeter, along with many of our clients, continue to enjoy. In the six plus years that Exeter has been using the CALMS system, we have enhanced our product to address many of the points you raised and these improvements are now reflected in the latest version of CALMS. We thank you for your contract extension last year and look forward to our continued business partnership. PB Peggy B. SVP Business Systems Financial Services ### "Calms" 3.0 Overall Rating 3.0 3.0 Ease of Use 4.0 4.0 Features 2.0 2.0 Customer Service 3.0 3.0 Likelihood to Recommend 5/10 August 14, 2019 Pros Calms is very easy to use. Having never seen it before the amount of time to train is very little. Cons Calms has features that we wished were already a part of the system but we had to wait and ask for them and have them programmed and prioritized. Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. Response from Vendor September 6, 2019 Many thanks for your review we always appreciate feedback. We are pleased that you liked the easy to use nature of the product, our aim has always been to provide an intuitive feature rich originations platform. We are constantly striving to improve the out of the box functionality provided by CALMS and the list of standard integrations and features grows with each release of the product. In addition to market research and legislative changes, we actively seek input from valuable partners such as Lendmark to help drive the future CALMS product roadmap. We thank you for your contract extension last year and look forward to our continued business partnership. ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.