Lending software for Thailand

A market with NDID digital identity, PromptPay and a strict regime for nano-finance and personal loans. lendhero arrives with National Credit Bureau, NDID and PromptPay already connected, so your team configures products instead of plumbing.

See the local stack
  • THB (THB)
  • Thai, English
  • 15 local connectors
  • 1–2 weeks to launch

Sawasdee, Ploy

Approved30,000 THB

784

Credit score

On-time payments

Monthly payment1,480 THB

Market profile

Thailand at a glance

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

Currency

THB (THB)

Languages

Thai, English

Supervisor

Bank of Thailand

Credit data

National Credit Bureau

Payout rails

PromptPay, Bank transfer

Data protection

the PDPA

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

Working with borrowers in Thailand

Tools for every borrower conversation

Borrowers in Thailand apply, sign, pay and come back for repeat loans in Thai and THB.

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 LINE and Infobip automatically.

Your application is approvedLINE
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 Thai.

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

Ploy · Consumer loan, 6 months · 30,000 THB

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

Local stack

The Thailand stack, connected before kickoff.

National Credit Bureau, NDID, PromptPay and LINE are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries1 connector
    • NNational Credit Bureau
  • Identity & KYC2 connectors
    • NNDID
    • DDopa verification
  • Bank & alternative data2 connectors
    • BBank data
    • YYour Data
  • Disbursement rails2 connectors
    • PPromptPay
    • BBank transfer
  • Repayments & collections3 connectors
    • PPromptPay QR
    • DDirect debit
    • 77-Eleven
  • Messaging3 connectors
    • LLINE
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Thailand

Applicants are checked with National Credit Bureau, and money moves via PromptPay and Bank transfer.

Client checks

Checks connected in Thailand:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationNDID, Dopa verificationPass
  • Credit bureausNational Credit BureauPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBank data, Your DataReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Thailand:

DisbursementPromptPay, Bank transfer in THB
RepaymentPromptPay QR, Direct debit, 7-Eleven
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • PromptPay
  • Bank transfer
  • PromptPay QR
  • Direct debit
  • 7-Eleven

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 THB 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

30,000 THB

On track
Auto-calculated · 200+ parametersManual edit
Repaid 10,700 THB of 32,100 THB2 of 6 payments
DateAmountStatus
Sep 45,350 THBPaid
Oct 45,350 THBPaid
Nov 45,350 THBDue in 7 days
Dec 45,350 THBUpcoming
Jan 45,350 THBUpcoming
Reminder sentYour payment of 5,350 THB is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via LINE, with forms in Thai and English.
  2. 02VerifyIdentity and documents are checked through NDID and Dopa verification.
  3. 03DecideScorecards pull National Credit Bureau data and return a decision in seconds.
  4. 04DisburseFunds go out via PromptPay or Bank transfer in THB, straight after signing.
  5. 05CollectRepayments arrive via PromptPay QR and Direct debit, with reminders over LINE.

Portals

One platform, three portals

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

My loan

30,000 THB

Next payment

5,350 THB · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

PloyVerifierApproved
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 Thailand launch on .

Consumer instalment loansPersonal loans within BOT caps.
MicrofinanceNano-finance for small traders.
Auto financingCar-title and motorcycle loans.

Compliance

Configured for BOT and the PDPA.

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

Hosting & data residency

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

Consent & privacy

Borrower consents are captured, versioned and logged under the PDPA.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for BOT 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 Thailand?+

Yes. The platform is set up for THB, Thai and English and BOT requirements, with 15 local connectors ready on day one.

Which credit data sources are connected in Thailand?+

National Credit Bureau. On top of that, identity checks run through NDID and Dopa verification and bank data comes from Bank data and Your Data.

How do borrowers get paid and repay?+

Payouts go out via PromptPay and Bank transfer in THB. Repayments arrive via PromptPay QR, Direct debit and 7-Eleven, with reminders over LINE and Infobip.

How long does a launch in Thailand 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 Thailand? 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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