Lending software for Zimbabwe

Zimbabwe runs on US dollars and ZiG side by side, so lenders need multi-currency books and wallet rails. lendhero arrives with FinCheck, National ID and EcoCash already connected, so your team configures products instead of plumbing.

See the local stack
  • USD ($)
  • English, Shona
  • 16 local connectors
  • 1–2 weeks to launch

Mhoro, Tendai

Approved$500

751

Credit score

On-time payments

Monthly payment$49

Market profile

Zimbabwe at a glance

What lendhero is set up for in Zimbabwe before your team logs in.

Currency

USD ($)

Languages

English, Shona

Supervisor

Reserve Bank of Zimbabwe

Credit data

FinCheck, Credit Registry (RBZ)

Payout rails

EcoCash, ZIPIT, OneMoney

Data protection

the Cyber and Data Protection Act

16
local connectors wired in before kickoff
USD
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: English, Shona

Working with borrowers in Zimbabwe

Tools for every borrower conversation

Borrowers in Zimbabwe apply, sign, pay and come back for repeat loans in English and USD.

Applications in minutes

Borrowers apply on the web or in the app, and staff file applications from the back office. A half-filled form waits for them to come back.

New application

Draft saved
Step 2 of 4 · Personal detailsStep 2/4

Reminders that get read

Approvals, due dates and overdue notices go out by WhatsApp Business and Africa's Talking automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowAfrica's Talking
New receipt in your portalInfobip

Rewards for repeat borrowers

Points for on-time payments, promo codes for campaigns and manual adjustments by staff.

WELCOMEfirst loan
Bonus balance1,240 pts

A portal for repeat loans

Repeat borrowers reapply without retyping data, extend or repay from their phone.

Extend loan
Repay early
Refinance

Contracts without paperwork

Loan agreements, extension requests and receipts are generated and e-signed in English.

Loan agreementSigned
Extension requestReady
Payment receiptDraft

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

Tendai · Consumer loan, 6 months · $500

Approved
Credit score712
  • IdentityVerified
  • Anti-fraudPassed
  • Credit bureau712
  • Debt-to-income31%
  • Sanctions & watchlistsClear
Decision time28 s

Local stack

The Zimbabwe stack, connected before kickoff.

Bureaus, identity, bank data, payment rails and messaging that lenders in Zimbabwe rely on. Anything missing is added through the open API.

  • Credit bureaus & registries2 connectors
    • FFinCheck
    • CCredit Registry (RBZ)
  • Identity & KYC2 connectors
    • NNational ID
    • SSmile ID
  • Bank & alternative data2 connectors
    • MMobile money statements
    • BBank statement parsing
  • Disbursement rails3 connectors
    • EEcoCash
    • ZZIPIT
    • OOneMoney
  • Repayments & collections3 connectors
    • EEcoCash
    • PPayroll deduction
    • BBank debit
  • Messaging3 connectors
    • WWhatsApp Business
    • AAfrica's Talking
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Zimbabwe

Applicants are checked with FinCheck and Credit Registry (RBZ), and money moves via EcoCash and ZIPIT.

Client checks

Checks connected in Zimbabwe:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationNational ID, Smile IDPass
  • Credit bureausFinCheck, Credit Registry (RBZ)Pass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataMobile money statements, Bank statement parsingReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Zimbabwe:

DisbursementEcoCash, ZIPIT, OneMoney in USD
RepaymentEcoCash, Payroll deduction, Bank debit
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • EcoCash
  • ZIPIT
  • OneMoney
  • Payroll deduction
  • Bank debit

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 USD 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

$500

On track
Auto-calculated · 200+ parametersManual edit
Repaid $180 of $5402 of 6 payments
DateAmountStatus
Sep 4$90Paid
Oct 4$90Paid
Nov 4$90Due in 7 days
Dec 4$90Upcoming
Jan 4$90Upcoming
Reminder sentYour payment of $90 is due Nov 4

Loan flow

How a loan runs in Zimbabwe. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in English and Shona.
  2. 02VerifyIdentity and documents are checked through National ID and Smile ID.
  3. 03DecideScorecards pull FinCheck and Credit Registry (RBZ) data and return a decision in seconds.
  4. 04DisburseFunds go out via EcoCash or ZIPIT in USD, straight after signing.
  5. 05CollectRepayments arrive via EcoCash and Payroll deduction, with reminders over WhatsApp Business.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

$500

Next payment

$90 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

TendaiVerifierApproved
Daniel O.AnalystReview
Maria L.RiskApproved
Tomas K.AnalystDeclined
Lena P.VerifierReview

Staff portal

Managers, analysts, risk, verifiers and collectors work side by side.

Role · Verifier

12 users
View applications
Verify documents
Approve loans
Edit loan terms
Export reports

Super-admin portal

Products, roles, permissions and rules change without a release.

Products

What lenders in Zimbabwe launch on .

MicrofinanceGroup and individual loans for MFIs and cooperatives.
Wallet nano-loansSmall loans scored on wallet history and paid out in minutes.
SME working capitalShort-term lines for traders and small businesses.

Compliance

Configured for RBZ and the Cyber and Data Protection Act.

lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Zimbabwe.

Hosting & data residency

Cloud or on-premise deployment, with data stored where the Cyber and Data Protection Act requires.

Consent & privacy

Borrower consents are captured, versioned and logged under the Cyber and Data Protection Act.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for RBZ rules.

Audit trail

Every decision, edit and message is logged for internal and external audits.

More markets in Southern Africa

All Africa markets

Questions

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 Zimbabwe?+

Yes. The platform is set up for USD, English and Shona and RBZ requirements, with 16 local connectors ready on day one.

Which credit data sources are connected in Zimbabwe?+

FinCheck, Credit Registry (RBZ). On top of that, identity checks run through National ID and Smile ID and bank data comes from Mobile money statements and Bank statement parsing.

How do borrowers get paid and repay?+

Payouts go out via EcoCash, ZIPIT and OneMoney in USD. Repayments arrive via EcoCash, Payroll deduction and Bank debit, with reminders over WhatsApp Business and Africa's Talking.

How long does a launch in Zimbabwe 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 Zimbabwe? 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

Tell us about your lending

We reply within one business day.

By sending this form you agree that lendhero may contact you about your request. See our Privacy Policy.