Lending software for Andorra
A small banking market where lenders serve residents and businesses in four languages. lendhero arrives with Lender data, Onfido and Bank transfer already connected, so your team configures products instead of plumbing.
- EUR (€)
- Catalan, Spanish, French, English
- 13 local connectors
- 1–2 weeks to launch
Hola, Laia
759
Credit score
On-time payments
Market profile
Andorra at a glance
What lendhero is set up for in Andorra before your team logs in.
Currency
EUR (€)
Languages
Catalan, Spanish, French, English
Supervisor
AFA
Credit data
Lender data
Payout rails
Bank transfer, SEPA
Data protection
Qualified Law 29/2021
- 13
- local connectors wired in before kickoff
- EUR
- for pricing, payouts and repayments
- 1–2
- weeks from kickoff to the first loan
- 4
- interface languages: Catalan, Spanish, French, English
Working with borrowers in Andorra
Tools for every borrower conversation
Borrowers in Andorra apply, sign, pay and come back for repeat loans in Catalan and EUR.
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
Laia · Consumer loan, 6 months · 8.000 €
- IdentityVerified
- Anti-fraudPassed
- Credit bureau712
- Debt-to-income31%
- Sanctions & watchlistsClear
Local stack
The Andorra stack,
connected before kickoff.
Bureaus, identity, bank data, payment rails and messaging that lenders in Andorra rely on. Anything missing is added through the open API.
- Credit bureaus & registries1 connector
- LLender data
- Identity & KYC2 connectors
- OOnfido
- SSignicat
- Bank & alternative data1 connector
- BBank statements
- Disbursement rails2 connectors
- BBank transfer
- SSEPA
- Repayments & collections2 connectors
- DDirect debit
- CCard
- Messaging3 connectors
- WWhatsApp Business
- SSinch
- E-signature2 connectors
- DDocuSign
- YYousign
Checks and payments
Who borrows and how money moves in Andorra
Applicants are checked with Lender data, and money moves via Bank transfer and SEPA.
Client checks
Checks connected in Andorra:
- Anti-fraud servicesDevice, behaviour and blacklist checksPass
- Identity verificationOnfido, SignicatPass
- Credit bureausLender dataPass
- 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 Andorra:
- Bank transfer
- SEPA
- Direct debit
- Card
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 EUR 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
8.000 €
On track| Date | Amount | Status |
|---|---|---|
| Sep 4 | 1.430 € | Paid |
| Oct 4 | 1.430 € | Paid |
| Nov 4 | 1.430 € | Due in 7 days |
| Dec 4 | 1.430 € | Upcoming |
| Jan 4 | 1.430 € | Upcoming |
Loan flow
How a loan runs in Andorra. Five steps, all local.
- 01ApplyBorrowers apply on the web, in the app or via email, with forms in Catalan, Spanish, French and English.
- 02VerifyIdentity and documents are checked through Onfido and Signicat.
- 03DecideScorecards pull Lender data data and return a decision in seconds.
- 04DisburseFunds go out via Bank transfer or SEPA in EUR, straight after signing.
- 05CollectRepayments arrive via Direct debit and Card, with reminders over WhatsApp Business.
Portals
One platform, three portals
Everyone works in the same system and sees only what their role allows.
Products
What lenders in Andorra launch
on lendhero.
Compliance
Configured for AFA and Qualified Law 29/2021.
lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Andorra.
Hosting & data residency
Cloud or on-premise deployment, with data stored where Qualified Law 29/2021 requires.
Consent & privacy
Borrower consents are captured, versioned and logged under Qualified Law 29/2021.
Pricing & disclosures
Rates, fees and cost-of-credit disclosures set per product for AFA rules.
Audit trail
Every decision, edit and message is logged for internal and external audits.
More markets in Southern Europe
All Europe markets
Cyprus
Greece
Italy
Malta
Portugal
San Marino
Spain
TürkiyeQuestions
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 Andorra?+–
Yes. The platform is set up for EUR, Catalan, Spanish, French and English and AFA requirements, with 13 local connectors ready on day one.
Which credit data sources are connected in Andorra?+–
Lender data. On top of that, identity checks run through Onfido and Signicat and bank data comes from Bank statements.
How do borrowers get paid and repay?+–
Payouts go out via Bank transfer and SEPA in EUR. Repayments arrive via Direct debit and Card, with reminders over WhatsApp Business and Sinch.
How long does a launch in Andorra take?+–
Usually 1–2 weeks from kickoff to the first loan, including connecting 13 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 Andorra?
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