Lending software for Pakistan

A mobile-wallet market where NADRA verification, Raast payments and SECP-licensed NBFCs run digital lending. lendhero arrives with eCIB (SBP), NADRA Verisys and Raast already connected, so your team configures products instead of plumbing.

See the local stack
  • PKR (Rs)
  • English, Urdu
  • 15 local connectors
  • 1–2 weeks to launch

Salaam, Ayesha

ApprovedRs 50,000

765

Credit score

On-time payments

Monthly paymentRs 4,920

Market profile

Pakistan at a glance

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

Currency

PKR (Rs)

Languages

English, Urdu

Supervisor

SECP and State Bank of Pakistan

Credit data

eCIB (SBP), Tasdeeq, DataCheck

Payout rails

Raast, JazzCash, Easypaisa

Data protection

the PECA rules

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

Working with borrowers in Pakistan

Tools for every borrower conversation

Borrowers in Pakistan apply, sign, pay and come back for repeat loans in English and PKR.

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 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

Ayesha · Consumer loan, 6 months · Rs 50,000

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

Local stack

The Pakistan stack, connected before kickoff.

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

  • Credit bureaus & registries3 connectors
    • eeCIB (SBP)
    • TTasdeeq
    • DDataCheck
  • Identity & KYC2 connectors
    • NNADRA Verisys
    • BBiometric verification
  • Bank & alternative data2 connectors
    • BBank statements
    • MMobile wallet data
  • Disbursement rails3 connectors
    • RRaast
    • JJazzCash
    • EEasypaisa
  • Repayments & collections3 connectors
    • JJazzCash
    • EEasypaisa
    • RRaast
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Pakistan

Applicants are checked with eCIB (SBP) and Tasdeeq, and money moves via Raast and JazzCash.

Client checks

Checks connected in Pakistan:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationNADRA Verisys, Biometric verificationPass
  • Credit bureauseCIB (SBP), Tasdeeq, DataCheckPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBank statements, Mobile wallet dataReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Pakistan:

DisbursementRaast, JazzCash, Easypaisa in PKR
RepaymentJazzCash, Easypaisa, Raast
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Raast
  • JazzCash
  • Easypaisa

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 PKR 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

Rs 50,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid Rs 17,830 of Rs 53,5002 of 6 payments
DateAmountStatus
Sep 4Rs 8,920Paid
Oct 4Rs 8,920Paid
Nov 4Rs 8,920Due in 7 days
Dec 4Rs 8,920Upcoming
Jan 4Rs 8,920Upcoming
Reminder sentYour payment of Rs 8,920 is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in English and Urdu.
  2. 02VerifyIdentity and documents are checked through NADRA Verisys and Biometric verification.
  3. 03DecideScorecards pull eCIB (SBP) and Tasdeeq data and return a decision in seconds.
  4. 04DisburseFunds go out via Raast or JazzCash in PKR, straight after signing.
  5. 05CollectRepayments arrive via JazzCash and Easypaisa, 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

Rs 50,000

Next payment

Rs 8,920 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

AyeshaVerifierApproved
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 Pakistan launch on .

MicrofinanceLoans for micro-entrepreneurs and farmers.
Consumer instalment loansDigital nano-loans via wallets.
Islamic financingSharia-compliant consumer and SME finance.

Compliance

Configured for SECP and SBP and the PECA rules.

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

Hosting & data residency

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

Consent & privacy

Borrower consents are captured, versioned and logged under the PECA rules.

Pricing & disclosures

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

Audit trail

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

More markets in South 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 Pakistan?+

Yes. The platform is set up for PKR, English and Urdu and SECP and SBP requirements, with 15 local connectors ready on day one.

Which credit data sources are connected in Pakistan?+

eCIB (SBP), Tasdeeq, DataCheck. On top of that, identity checks run through NADRA Verisys and Biometric verification and bank data comes from Bank statements and Mobile wallet data.

How do borrowers get paid and repay?+

Payouts go out via Raast, JazzCash and Easypaisa in PKR. Repayments arrive via JazzCash, Easypaisa and Raast, with reminders over WhatsApp Business and Infobip.

How long does a launch in Pakistan 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 Pakistan? 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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