Lending software for China

The largest digital lending market in the world, with strict data, licensing and lending-cap rules. lendhero arrives with PBOC Credit Reference Center, Face verification and UnionPay already connected, so your team configures products instead of plumbing.

See the local stack
  • CNY (¥)
  • Chinese, English
  • 15 local connectors
  • 1–2 weeks to launch

Ni hao, Li Na

Approved¥20,000

803

Credit score

On-time payments

Monthly payment¥1,970

Market profile

China at a glance

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

Currency

CNY (¥)

Languages

Chinese, English

Supervisor

NFRA and the People’s Bank of China

Credit data

PBOC Credit Reference Center, Baihang Credit

Payout rails

UnionPay, CIPS, Bank transfer

Data protection

PIPL

15
local connectors wired in before kickoff
CNY
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Chinese, English

Working with borrowers in China

Tools for every borrower conversation

Borrowers in China apply, sign, pay and come back for repeat loans in Chinese and CNY.

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 WeChat and SMS automatically.

Your application is approvedWeChat
Your payment is due tomorrowSMS
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 Chinese.

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

Li Na · Consumer loan, 6 months · ¥20,000

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

Local stack

The China stack, connected before kickoff.

PBOC Credit Reference Center, Face verification, UnionPay and WeChat are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries2 connectors
    • PPBOC Credit Reference Center
    • BBaihang Credit
  • Identity & KYC2 connectors
    • FFace verification
    • IID card verification
  • Bank & alternative data2 connectors
    • BBank data
    • LLicensed data providers
  • Disbursement rails3 connectors
    • UUnionPay
    • CCIPS
    • BBank transfer
  • Repayments & collections2 connectors
    • BBank debit
    • UUnionPay
  • Messaging3 connectors
    • WWeChat
    • SSMS
    • IInfobip
  • E-signature2 connectors
    • CCFCA
    • FFadada

Checks and payments

Who borrows and how money moves in China

Applicants are checked with PBOC Credit Reference Center and Baihang Credit, and money moves via UnionPay and CIPS.

Client checks

Checks connected in China:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationFace verification, ID card verificationPass
  • Credit bureausPBOC Credit Reference Center, Baihang CreditPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBank data, Licensed data providersReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in China:

DisbursementUnionPay, CIPS, Bank transfer in CNY
RepaymentBank debit, UnionPay
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • UnionPay
  • CIPS
  • Bank transfer
  • 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 CNY 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

¥20,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid ¥7,130 of ¥21,4002 of 6 payments
DateAmountStatus
Sep 4¥3,570Paid
Oct 4¥3,570Paid
Nov 4¥3,570Due in 7 days
Dec 4¥3,570Upcoming
Jan 4¥3,570Upcoming
Reminder sentYour payment of ¥3,570 is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via WeChat, with forms in Chinese and English.
  2. 02VerifyIdentity and documents are checked through Face verification and ID card verification.
  3. 03DecideScorecards pull PBOC Credit Reference Center and Baihang Credit data and return a decision in seconds.
  4. 04DisburseFunds go out via UnionPay or CIPS in CNY, straight after signing.
  5. 05CollectRepayments arrive via Bank debit and UnionPay, with reminders over WeChat.

Portals

One platform, three portals

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

My loan

¥20,000

Next payment

¥3,570 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

Li NaVerifierApproved
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 China launch on .

Consumer instalment loansConsumer finance within NFRA rules.
Business lendingSupply-chain and SME loans.
BNPL & POSInstalments at checkout.

Compliance

Configured for NFRA and PIPL.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where PIPL requires.

Consent & privacy

Borrower consents are captured, versioned and logged under PIPL.

Pricing & disclosures

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

Audit trail

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

More markets in East Asia

All Asia 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 China?+

Yes. The platform is set up for CNY, Chinese and English and NFRA requirements, with 15 local connectors ready on day one.

Which credit data sources are connected in China?+

PBOC Credit Reference Center, Baihang Credit. On top of that, identity checks run through Face verification and ID card verification and bank data comes from Bank data and Licensed data providers.

How do borrowers get paid and repay?+

Payouts go out via UnionPay, CIPS and Bank transfer in CNY. Repayments arrive via Bank debit and UnionPay, with reminders over WeChat and SMS.

How long does a launch in China take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 15 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 China? 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.

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