Lending software for Laos

A small market where microfinance and leasing companies move from paper to mobile. lendhero arrives with Lao Credit Information Company, Lender data and LAPNet already connected, so your team configures products instead of plumbing.

See the local stack
  • LAK (LAK)
  • Lao, English
  • 13 local connectors
  • 1–2 weeks to launch

Sabaidee, Noy

Approved10,000,000 LAK

707

Credit score

On-time payments

Monthly payment656,000 LAK

Market profile

Laos at a glance

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

Currency

LAK (LAK)

Languages

Lao, English

Supervisor

Bank of the Lao PDR

Credit data

Lao Credit Information Company

Payout rails

LAPNet, BCEL One

Data protection

national data rules

13
local connectors wired in before kickoff
LAK
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Lao, English

Working with borrowers in Laos

Tools for every borrower conversation

Borrowers in Laos apply, sign, pay and come back for repeat loans in Lao and LAK.

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 Infobip automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowInfobip
New receipt in your portalSMS

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 Lao.

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

Noy · Consumer loan, 6 months · 10,000,000 LAK

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

Local stack

The Laos stack, connected before kickoff.

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

  • Credit bureaus & registries1 connector
    • LLao Credit Information Company
  • Identity & KYC2 connectors
    • LLender data
    • OOnfido
  • Bank & alternative data1 connector
    • BBank statements
  • Disbursement rails2 connectors
    • LLAPNet
    • BBCEL One
  • Repayments & collections2 connectors
    • QQR payments
    • BBank transfer
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Laos

Applicants are checked with Lao Credit Information Company, and money moves via LAPNet and BCEL One.

Client checks

Checks connected in Laos:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationLender data, OnfidoPass
  • Credit bureausLao Credit Information CompanyPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBank statementsReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Laos:

DisbursementLAPNet, BCEL One in LAK
RepaymentQR payments, Bank transfer
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • LAPNet
  • BCEL One
  • QR payments
  • Bank transfer

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 LAK 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

10,000,000 LAK

On track
Auto-calculated · 200+ parametersManual edit
Repaid 3,566,670 LAK of 10,700,000 LAK2 of 6 payments
DateAmountStatus
Sep 41,783,330 LAKPaid
Oct 41,783,330 LAKPaid
Nov 41,783,330 LAKDue in 7 days
Dec 41,783,330 LAKUpcoming
Jan 41,783,330 LAKUpcoming
Reminder sentYour payment of 1,783,330 LAK is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Lao and English.
  2. 02VerifyIdentity and documents are checked through Lender data and Onfido.
  3. 03DecideScorecards pull Lao Credit Information Company data and return a decision in seconds.
  4. 04DisburseFunds go out via LAPNet or BCEL One in LAK, straight after signing.
  5. 05CollectRepayments arrive via QR payments and Bank transfer, 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

10,000,000 LAK

Next payment

1,783,330 LAK · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

NoyVerifierApproved
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 Laos launch on .

MicrofinanceLoans for farmers and small traders.
Auto financingMotorcycle and car leasing.
Consumer instalment loansPersonal loans.

Compliance

Configured for BOL and national data rules.

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

Hosting & data residency

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

Consent & privacy

Borrower consents are captured, versioned and logged under national data rules.

Pricing & disclosures

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

Audit trail

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

More markets in Southeast 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 Laos?+

Yes. The platform is set up for LAK, Lao and English and BOL requirements, with 13 local connectors ready on day one.

Which credit data sources are connected in Laos?+

Lao Credit Information Company. On top of that, identity checks run through Lender data and Onfido and bank data comes from Bank statements.

How do borrowers get paid and repay?+

Payouts go out via LAPNet and BCEL One in LAK. Repayments arrive via QR payments and Bank transfer, with reminders over WhatsApp Business and Infobip.

How long does a launch in Laos take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 13 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 Laos? 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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