Lending software for the Philippines

A young, mobile market where GCash and Maya carry most repayments and lenders are licensed by the SEC. lendhero arrives with Credit Information Corporation, PhilSys and InstaPay already connected, so your team configures products instead of plumbing.

See the local stack
  • PHP (PHP)
  • English, Filipino
  • 17 local connectors
  • 1–2 weeks to launch

Hi, Angel

ApprovedPHP 20,000

756

Credit score

On-time payments

Monthly paymentPHP 1,970

Market profile

Philippines at a glance

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

Currency

PHP (PHP)

Languages

English, Filipino

Supervisor

SEC and Bangko Sentral ng Pilipinas

Credit data

Credit Information Corporation, TransUnion Philippines, CIBI

Payout rails

InstaPay, PESONet, GCash

Data protection

the Data Privacy Act 2012

17
local connectors wired in before kickoff
PHP
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: English, Filipino

Working with borrowers in Philippines

Tools for every borrower conversation

Borrowers in Philippines apply, sign, pay and come back for repeat loans in English and PHP.

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 Messenger and Viber Business automatically.

Your application is approvedMessenger
Your payment is due tomorrowViber Business
New receipt in your portalSemaphore

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

Angel · Consumer loan, 6 months · PHP 20,000

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

Local stack

The Philippines stack, connected before kickoff.

Credit Information Corporation, PhilSys, InstaPay and Messenger are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries3 connectors
    • CCredit Information Corporation
    • TTransUnion Philippines
    • CCIBI
  • Identity & KYC2 connectors
    • PPhilSys
    • eeKYC (Onfido)
  • Bank & alternative data1 connector
    • BBank and e-wallet data
  • Disbursement rails4 connectors
    • IInstaPay
    • PPESONet
    • GGCash
    • MMaya
  • Repayments & collections4 connectors
    • GGCash
    • MMaya
    • 77-Eleven
    • BBayad
  • Messaging3 connectors
    • MMessenger
    • VViber Business
    • SSemaphore
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Philippines

Applicants are checked with Credit Information Corporation and TransUnion Philippines, and money moves via InstaPay and PESONet.

Client checks

Checks connected in Philippines:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationPhilSys, eKYC (Onfido)Pass
  • Credit bureausCredit Information Corporation, TransUnion Philippines, CIBIPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBank and e-wallet dataReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Philippines:

DisbursementInstaPay, PESONet, GCash in PHP
RepaymentGCash, Maya, 7-Eleven
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • InstaPay
  • PESONet
  • GCash
  • Maya
  • 7-Eleven
  • Bayad

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 PHP 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

PHP 20,000

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

Loan flow

How a loan runs in the Philippines. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via Messenger, with forms in English and Filipino.
  2. 02VerifyIdentity and documents are checked through PhilSys and eKYC (Onfido).
  3. 03DecideScorecards pull Credit Information Corporation and TransUnion Philippines data and return a decision in seconds.
  4. 04DisburseFunds go out via InstaPay or PESONet in PHP, straight after signing.
  5. 05CollectRepayments arrive via GCash and Maya, with reminders over Messenger.

Portals

One platform, three portals

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

My loan

PHP 20,000

Next payment

PHP 3,570 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

AngelVerifierApproved
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 the Philippines launch on .

Consumer instalment loansOnline cash loans within SEC rules.
BNPL & POSGadget and appliance instalments.
MicrofinanceLoans for sari-sari stores.

Compliance

Configured for SEC and BSP and the Data Privacy Act 2012.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where the Data Privacy Act 2012 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under the Data Privacy Act 2012.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for SEC and BSP 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 the Philippines?+

Yes. The platform is set up for PHP, English and Filipino and SEC and BSP requirements, with 17 local connectors ready on day one.

Which credit data sources are connected in the Philippines?+

Credit Information Corporation, TransUnion Philippines, CIBI. On top of that, identity checks run through PhilSys and eKYC (Onfido) and bank data comes from Bank and e-wallet data.

How do borrowers get paid and repay?+

Payouts go out via InstaPay, PESONet and GCash in PHP. Repayments arrive via GCash, Maya and 7-Eleven, with reminders over Messenger and Viber Business.

How long does a launch in the Philippines take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 17 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 Philippines? 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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