Loyalty that rewards on-time borrowers

Bonus points for on-time payments, better rates for repeat loans, referral rewards and promo codes. Good borrowers stay, and you lend to them at lower risk.

See the program
lendhero Loyalty software interface
Points
for on-time payments and referrals
Levels
with better rates and limits
Referrals
with fraud checks
Promo codes
for partners and campaigns

Where it sits in the loan lifecycle

  1. Onboarding
  2. KYC
  3. Decisioning
  4. Origination
  5. Disbursement
  6. Servicing
  7. Repayments
  8. Collection

Capabilities

Reward the behaviour you want more of

Points

Earned for on-time payments, repeat loans and referrals. Rules are set per product; staff can adjust points by hand with a reason.

Levels

Better limits and pricing as borrowers move up. Gold borrowers see a higher limit and a lower rate in the portal.

Referrals

Rewards for both sides, with fraud checks. The reward is paid after the friend’s first on-time payment, not after sign-up.

Promo codes

For partners, campaigns and win-back offers. Single-use or shared codes with limits, dates and partner tags.

Notifications

Borrowers see points and offers in the portal. Points, levels and expiring offers are shown in the app and sent by push.

Program reports

Repeat rate and risk by level. See whether rewards change repeat rate, take-up and losses.

How it works

Good borrowers come back

  1. 01Pay on timePoints for every payment.
  2. 02Level upBetter rate and limit.
  3. 03ReferFriends get a bonus too.
  4. 04RedeemPoints for discounts.
  5. 05ReturnPre-approved repeat loan.

Referrals

Referrals without referral fraud

Rewards are paid only after the friend’s first on-time payment, and shared devices or accounts are blocked.

  • Paid after first paymentNot after sign-up.
  • Fraud checksShared devices and accounts.
  • Rewards that pay offTrack repeat rate and losses by level.
Referrals without referral fraud: lendhero interface

Works together with

Related modules

CRMSegments for loyalty offers.
Borrower portalPoints and levels in the account.
Configurable productsPricing by loyalty level.

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

How do borrowers earn points?+

For on-time payments, repeat loans and referrals, under rules you set.

Can levels change rates and limits?+

Yes. Each level can give lower fees, higher limits or faster decisions, by the rules you set.

How do you stop referral fraud?+

Referrals are checked for shared devices, contacts and payment details before rewards are paid.

Can partners issue promo codes?+

Yes. Partners can get their own codes with limits on number, amount and dates.

Is loyalty available for every product?+

Yes. Switch it on for any product, or only for the ones you choose.

Book a demo

See on your own products

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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