Lending software for Egypt
Egypt's consumer-finance boom and InstaPay rails have made installment credit a daily habit. lendhero arrives with I-Score, National ID (CSO) and InstaPay already connected, so your team configures products instead of plumbing.
- EGP (E£)
- Arabic, English
- 16 local connectors
- 1–2 weeks to launch
Ahlan, Mariam
796
Credit score
On-time payments
Market profile
Egypt at a glance
What lendhero is set up for in Egypt before your team logs in.
Currency
EGP (E£)
Languages
Arabic, English
Supervisor
Financial Regulatory Authority and Central Bank of Egypt
Credit data
I-Score
Payout rails
InstaPay, Meeza, Vodafone Cash
Data protection
Law 151/2020
- 16
- local connectors wired in before kickoff
- EGP
- for pricing, payouts and repayments
- 1–2
- weeks from kickoff to the first loan
- 2
- interface languages: Arabic, English
Working with borrowers in Egypt
Tools for every borrower conversation
Borrowers in Egypt apply, sign, pay and come back for repeat loans in Arabic and EGP.
Decisioning
Decisions in seconds,
explained in plain words
Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.
- Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
- Rules you can readYour team can answer any borrower about why.
Application #48213
Mariam · Consumer loan, 6 months · EGP 50,000
- IdentityVerified
- Anti-fraudPassed
- Credit bureau712
- Debt-to-income31%
- Sanctions & watchlistsClear
Local stack
The Egypt stack,
connected before kickoff.
lendhero ships with the connectors lenders in Egypt use every day, from I-Score to Fawry. New ones are added through the open API.
- Credit bureaus & registries1 connector
- II-Score
- Identity & KYC3 connectors
- NNational ID (CSO)
- VValify
- SSmile ID
- Bank & alternative data2 connectors
- BBank statement parsing
- TTelco data
- Disbursement rails3 connectors
- IInstaPay
- MMeeza
- VVodafone Cash
- Repayments & collections3 connectors
- FFawry
- AAman
- VVodafone Cash
- Messaging3 connectors
- WWhatsApp Business
- IInfobip
- E-signature2 connectors
- DDocuSign
Checks and payments
Who borrows and how money moves in Egypt
Applicants are checked with I-Score, and money moves via InstaPay and Meeza.
Client checks
Checks connected in Egypt:
- Anti-fraud servicesDevice, behaviour and blacklist checksPass
- Identity verificationNational ID (CSO), Valify, Smile IDPass
- Credit bureausI-ScorePass
- Government registriesNational ID and tax registriesPass
- Bank and alternative dataBank statement parsing, Telco dataReview
- Additional data sourcesTelco, open banking and your own listsAuto
Payment infrastructure
Payment rails connected in Egypt:
- InstaPay
- Meeza
- Vodafone Cash
- Fawry
- Aman
Loan servicing
Every loan and every repayment on one screen
Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.
- Automatic calculations for every loanInterest, fees and penalties in EGP are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
- Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
- Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.
Loan #48213
EGP 50,000
On track| Date | Amount | Status |
|---|---|---|
| Sep 4 | EGP 8,920 | Paid |
| Oct 4 | EGP 8,920 | Paid |
| Nov 4 | EGP 8,920 | Due in 7 days |
| Dec 4 | EGP 8,920 | Upcoming |
| Jan 4 | EGP 8,920 | Upcoming |
Loan flow
How a loan runs in Egypt. Five steps, all local.
- 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Arabic and English.
- 02VerifyIdentity and documents are checked through National ID (CSO) and Valify.
- 03DecideScorecards pull I-Score data and return a decision in seconds.
- 04DisburseFunds go out via InstaPay or Meeza in EGP, straight after signing.
- 05CollectRepayments arrive via Fawry and Aman, with reminders over WhatsApp Business.
Portals
One platform, three portals
Everyone works in the same system and sees only what their role allows.
Compliance
Configured for FRA and Law 151/2020.
lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Egypt.
Hosting & data residency
Cloud or on-premise deployment, with data stored where Law 151/2020 requires.
Consent & privacy
Borrower consents are captured, versioned and logged under Law 151/2020.
Pricing & disclosures
Rates, fees and cost-of-credit disclosures set per product for FRA rules.
Audit trail
Every decision, edit and message is logged for internal and external audits.
More markets in North Africa
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MauritaniaQuestions
Frequently
asked
Didn’t find the answer? Write to us and we’ll reply within one business day.
Can lendhero run a lending business in Egypt?+–
Yes. The platform is set up for EGP, Arabic and English and FRA requirements, with 16 local connectors ready on day one.
Which credit data sources are connected in Egypt?+–
I-Score. On top of that, identity checks run through National ID (CSO), Valify and Smile ID and bank data comes from Bank statement parsing and Telco data.
How do borrowers get paid and repay?+–
Payouts go out via InstaPay, Meeza and Vodafone Cash in EGP. Repayments arrive via Fawry, Aman and Vodafone Cash, with reminders over WhatsApp Business and Infobip.
How long does a launch in Egypt take?+–
Usually 1–2 weeks from kickoff to the first loan, including connecting 16 local services, product setup, staff training and a test run.
Can we run several countries on one platform?+–
Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.
Book a demo
Lending in Egypt?
Let’s plan the launch.
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