Lending software for Austria

A conservative bank-led market where consumer credit, leasing and point-of-sale finance are moving to full digital flows. lendhero arrives with KSV1870, IDnow and SEPA already connected, so your team configures products instead of plumbing.

See the local stack
  • EUR (€)
  • German, English
  • 16 local connectors
  • 1–2 weeks to launch

Hallo, Anna

Approved€5.000

807

Credit score

On-time payments

Monthly payment€164

Market profile

Austria at a glance

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

Currency

EUR (€)

Languages

German, English

Supervisor

FMA

Credit data

KSV1870, CRIF Austria

Payout rails

SEPA, SEPA Instant

Data protection

GDPR and the DSG

16
local connectors wired in before kickoff
EUR
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: German, English

Working with borrowers in Austria

Tools for every borrower conversation

Borrowers in Austria apply, sign, pay and come back for repeat loans in German and EUR.

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 Sinch automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowSinch
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 German.

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

Anna · Consumer loan, 6 months · €5.000

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

Local stack

The Austria stack, connected before kickoff.

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

  • Credit bureaus & registries2 connectors
    • KKSV1870
    • CCRIF Austria
  • Identity & KYC3 connectors
    • IIDnow
    • SSignicat
    • IID Austria
  • Bank & alternative data2 connectors
    • TTink
    • ffinAPI
  • Disbursement rails2 connectors
    • SSEPA
    • SSEPA Instant
  • Repayments & collections2 connectors
    • SSEPA Direct Debit
    • CCard
  • Messaging3 connectors
    • WWhatsApp Business
    • SSinch
  • E-signature2 connectors
    • DDocuSign
    • YYousign

Checks and payments

Who borrows and how money moves in Austria

Applicants are checked with KSV1870 and CRIF Austria, and money moves via SEPA and SEPA Instant.

Client checks

Checks connected in Austria:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationIDnow, Signicat, ID AustriaPass
  • Credit bureausKSV1870, CRIF AustriaPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataTink, finAPIReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Austria:

DisbursementSEPA, SEPA Instant in EUR
RepaymentSEPA Direct Debit, Card
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • SEPA
  • SEPA Instant
  • 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

€5.000

On track
Auto-calculated · 200+ parametersManual edit
Repaid €1.780 of €5.3502 of 6 payments
DateAmountStatus
Sep 4€890Paid
Oct 4€890Paid
Nov 4€890Due in 7 days
Dec 4€890Upcoming
Jan 4€890Upcoming
Reminder sentYour payment of €890 is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via email, with forms in German and English.
  2. 02VerifyIdentity and documents are checked through IDnow and Signicat.
  3. 03DecideScorecards pull KSV1870 and CRIF Austria data and return a decision in seconds.
  4. 04DisburseFunds go out via SEPA or SEPA Instant in EUR, straight after signing.
  5. 05CollectRepayments arrive via SEPA 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.

My loan

€5.000

Next payment

€890 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

AnnaVerifierApproved
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 Austria launch on .

Consumer instalment loansPersonal loans under the Consumer Credit Act with KSV1870 checks.
BNPL & POSInstalment plans for electronics and furniture retailers.
Auto financingCar loans and leasing for dealers.

Compliance

Configured for FMA and GDPR and the DSG.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where GDPR and the DSG requires.

Consent & privacy

Borrower consents are captured, versioned and logged under GDPR and the DSG.

Pricing & disclosures

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

Audit trail

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

More markets in Western Europe

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 Austria?+

Yes. The platform is set up for EUR, German and English and FMA requirements, with 16 local connectors ready on day one.

Which credit data sources are connected in Austria?+

KSV1870, CRIF Austria. On top of that, identity checks run through IDnow, Signicat and ID Austria and bank data comes from Tink and finAPI.

How do borrowers get paid and repay?+

Payouts go out via SEPA and SEPA Instant in EUR. Repayments arrive via SEPA Direct Debit and Card, with reminders over WhatsApp Business and Sinch.

How long does a launch in Austria take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 16 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 Austria? 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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