This paper examines whether modest contract tailoring improves consumer credit outcomes. In a randomized field experiment with a large fintech lender, shifting due dates to just after paydays sharply improves on-time repayment. In the lender's complete loan book, where due dates land as good as randomly relative to paydays, synchronizing repayment with income cycles cuts the overdue rate by 29.4% and long-term default by 16.0%. Tailored timing raises borrowers' future credit access by 4.1% through improved repayment records. Substantial economic benefits accrue to both sides: borrowers save on penalties, and lenders accelerate cash flows and avoid write-offs. Effects concentrate among liquidity-constrained borrowers---young, low-income, low-credit-limit, and low-education---and strengthen with borrower experience. Overall, consumer credit markets benefit from contract tailoring, with fintech lending particularly well placed to turn those gains into financial inclusion.