Lending software for Albania

A bank-led market where microfinance and digital lenders fill gaps for small businesses and households. lendhero arrives with Credit Registry of the Bank of Albania, e-Albania and AIPS already connected, so your team configures products instead of plumbing.

See the local stack
  • ALL (L)
  • Albanian, English
  • 12 local connectors
  • 1–2 weeks to launch

Përshëndetje, Ana

Approved300.000 L

783

Credit score

On-time payments

Monthly payment9.830 L

Market profile

Albania at a glance

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

Currency

ALL (L)

Languages

Albanian, English

Supervisor

Bank of Albania

Credit data

Credit Registry of the Bank of Albania

Payout rails

AIPS, Card

Data protection

the Law on Personal Data Protection

12
local connectors wired in before kickoff
ALL
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Albanian, English

Working with borrowers in Albania

Tools for every borrower conversation

Borrowers in Albania apply, sign, pay and come back for repeat loans in Albanian and ALL.

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 Viber Business automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowViber Business
New receipt in your portalInfobip

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 Albanian.

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

Ana · Consumer loan, 6 months · 300.000 L

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

Local stack

The Albania stack, connected before kickoff.

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

  • Credit bureaus & registries1 connector
    • CCredit Registry of the Bank of Albania
  • Identity & KYC2 connectors
    • ee-Albania
    • OOnfido
  • Bank & alternative data1 connector
    • BBank statements
  • Disbursement rails2 connectors
    • AAIPS
    • CCard
  • Repayments & collections2 connectors
    • CCard
    • BBank transfer
  • Messaging3 connectors
    • WWhatsApp Business
    • VViber Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign
    • YYousign

Checks and payments

Who borrows and how money moves in Albania

Applicants are checked with Credit Registry of the Bank of Albania, and money moves via AIPS and Card.

Client checks

Checks connected in Albania:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificatione-Albania, OnfidoPass
  • Credit bureausCredit Registry of the Bank of AlbaniaPass
  • 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 Albania:

DisbursementAIPS, Card in ALL
RepaymentCard, Bank transfer
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • AIPS
  • Card
  • 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 ALL 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

300.000 L

On track
Auto-calculated · 200+ parametersManual edit
Repaid 107.000 L of 321.000 L2 of 6 payments
DateAmountStatus
Sep 453.500 LPaid
Oct 453.500 LPaid
Nov 453.500 LDue in 7 days
Dec 453.500 LUpcoming
Jan 453.500 LUpcoming
Reminder sentYour payment of 53.500 L is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Albanian and English.
  2. 02VerifyIdentity and documents are checked through e-Albania and Onfido.
  3. 03DecideScorecards pull Credit Registry of the Bank of Albania data and return a decision in seconds.
  4. 04DisburseFunds go out via AIPS or Card in ALL, straight after signing.
  5. 05CollectRepayments arrive via Card 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

300.000 L

Next payment

53.500 L · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

AnaVerifierApproved
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 Albania launch on .

MicrofinanceLoans for farmers and family businesses.
Consumer instalment loansPersonal loans.
Business lendingLoans for tourism SMEs.

Compliance

Configured for Bank of Albania and the Law on Personal Data Protection.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where the Law on Personal Data Protection requires.

Consent & privacy

Borrower consents are captured, versioned and logged under the Law on Personal Data Protection.

Pricing & disclosures

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

Audit trail

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

More markets in Western Balkans

All Europe 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 Albania?+

Yes. The platform is set up for ALL, Albanian and English and Bank of Albania requirements, with 12 local connectors ready on day one.

Which credit data sources are connected in Albania?+

Credit Registry of the Bank of Albania. On top of that, identity checks run through e-Albania and Onfido and bank data comes from Bank statements.

How do borrowers get paid and repay?+

Payouts go out via AIPS and Card in ALL. Repayments arrive via Card and Bank transfer, with reminders over WhatsApp Business and Viber Business.

How long does a launch in Albania take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 12 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 Albania? 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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