Lending software for Vietnam

A fast-growing consumer finance market where VNeID, VietQR and Zalo drive digital lending. lendhero arrives with CIC (SBV), VNeID and NAPAS 247 already connected, so your team configures products instead of plumbing.

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

Xin chao, Linh

Approved20.000.000 VND

816

Credit score

On-time payments

Monthly payment1.967.000 VND

Market profile

Vietnam at a glance

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

Currency

VND (VND)

Languages

Vietnamese, English

Supervisor

State Bank of Vietnam

Credit data

CIC (SBV), PCB

Payout rails

NAPAS 247, VietQR, MoMo

Data protection

Decree 13 on personal data

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

Working with borrowers in Vietnam

Tools for every borrower conversation

Borrowers in Vietnam apply, sign, pay and come back for repeat loans in Vietnamese and VND.

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 Zalo and Infobip automatically.

Your application is approvedZalo
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 Vietnamese.

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

Linh · Consumer loan, 6 months · 20.000.000 VND

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

Local stack

The Vietnam stack, connected before kickoff.

lendhero ships with the connectors lenders in Vietnam use every day, from CIC (SBV) to VietQR. New ones are added through the open API.

  • Credit bureaus & registries2 connectors
    • CCIC (SBV)
    • PPCB
  • Identity & KYC2 connectors
    • VVNeID
    • NNFC chip ID
  • Bank & alternative data2 connectors
    • BBank data
    • EE-wallet data
  • Disbursement rails3 connectors
    • NNAPAS 247
    • VVietQR
    • MMoMo
  • Repayments & collections3 connectors
    • VVietQR
    • MMoMo
    • BBank transfer
  • Messaging3 connectors
    • ZZalo
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Vietnam

Applicants are checked with CIC (SBV) and PCB, and money moves via NAPAS 247 and VietQR.

Client checks

Checks connected in Vietnam:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationVNeID, NFC chip IDPass
  • Credit bureausCIC (SBV), PCBPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBank data, E-wallet dataReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Vietnam:

DisbursementNAPAS 247, VietQR, MoMo in VND
RepaymentVietQR, MoMo, Bank transfer
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • NAPAS 247
  • VietQR
  • MoMo
  • 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 VND 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

20.000.000 VND

On track
Auto-calculated · 200+ parametersManual edit
Repaid 7.133.330 VND of 21.400.000 VND2 of 6 payments
DateAmountStatus
Sep 43.566.670 VNDPaid
Oct 43.566.670 VNDPaid
Nov 43.566.670 VNDDue in 7 days
Dec 43.566.670 VNDUpcoming
Jan 43.566.670 VNDUpcoming
Reminder sentYour payment of 3.566.670 VND is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via Zalo, with forms in Vietnamese and English.
  2. 02VerifyIdentity and documents are checked through VNeID and NFC chip ID.
  3. 03DecideScorecards pull CIC (SBV) and PCB data and return a decision in seconds.
  4. 04DisburseFunds go out via NAPAS 247 or VietQR in VND, straight after signing.
  5. 05CollectRepayments arrive via VietQR and MoMo, with reminders over Zalo.

Portals

One platform, three portals

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

My loan

20.000.000 VND

Next payment

3.566.670 VND · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

LinhVerifierApproved
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 Vietnam launch on .

Consumer instalment loansCash loans with CIC checks.
BNPL & POSInstalments for phones and appliances.
Business lendingLoans for household businesses.

Compliance

Configured for SBV and Decree 13 on personal data.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where Decree 13 on personal data requires.

Consent & privacy

Borrower consents are captured, versioned and logged under Decree 13 on personal data.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for SBV 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 Vietnam?+

Yes. The platform is set up for VND, Vietnamese and English and SBV requirements, with 15 local connectors ready on day one.

Which credit data sources are connected in Vietnam?+

CIC (SBV), PCB. On top of that, identity checks run through VNeID and NFC chip ID and bank data comes from Bank data and E-wallet data.

How do borrowers get paid and repay?+

Payouts go out via NAPAS 247, VietQR and MoMo in VND. Repayments arrive via VietQR, MoMo and Bank transfer, with reminders over Zalo and Infobip.

How long does a launch in Vietnam 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 Vietnam? 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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