Lending software for Denmark

A cashless market where MitID signs every loan and MobilePay handles repayments. lendhero arrives with RKI, MitID and Straksoverførsel already connected, so your team configures products instead of plumbing.

See the local stack
  • DKK (kr.)
  • Danish, English
  • 12 local connectors
  • 1–2 weeks to launch

Hej, Freja

Approved30.000 kr.

801

Credit score

On-time payments

Monthly payment983 kr.

Market profile

Denmark at a glance

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

Currency

DKK (kr.)

Languages

Danish, English

Supervisor

Danish FSA

Credit data

RKI, Debitor Registret

Payout rails

Straksoverførsel, MobilePay

Data protection

GDPR

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

Working with borrowers in Denmark

Tools for every borrower conversation

Borrowers in Denmark apply, sign, pay and come back for repeat loans in Danish and DKK.

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 Danish.

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

Freja · Consumer loan, 6 months · 30.000 kr.

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

Local stack

The Denmark stack, connected before kickoff.

lendhero ships with the connectors lenders in Denmark use every day, from RKI to Betalingsservice. New ones are added through the open API.

  • Credit bureaus & registries2 connectors
    • RRKI
    • DDebitor Registret
  • Identity & KYC2 connectors
    • MMitID
    • SSignicat
  • Bank & alternative data2 connectors
    • TTink
    • AAiia
  • Disbursement rails2 connectors
    • SStraksoverførsel
    • MMobilePay
  • Repayments & collections2 connectors
    • BBetalingsservice
    • MMobilePay
  • Messaging3 connectors
    • WWhatsApp Business
    • SSinch
  • E-signature2 connectors
    • MMitID
    • SSignicat

Checks and payments

Who borrows and how money moves in Denmark

Applicants are checked with RKI and Debitor Registret, and money moves via Straksoverførsel and MobilePay.

Client checks

Checks connected in Denmark:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationMitID, SignicatPass
  • Credit bureausRKI, Debitor RegistretPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataTink, AiiaReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Denmark:

DisbursementStraksoverførsel, MobilePay in DKK
RepaymentBetalingsservice, MobilePay
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Straksoverførsel
  • MobilePay
  • Betalingsservice

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 DKK 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 kr.

On track
Auto-calculated · 200+ parametersManual edit
Repaid 10.700 kr. of 32.100 kr.2 of 6 payments
DateAmountStatus
Sep 45.350 kr.Paid
Oct 45.350 kr.Paid
Nov 45.350 kr.Due in 7 days
Dec 45.350 kr.Upcoming
Jan 45.350 kr.Upcoming
Reminder sentYour payment of 5.350 kr. is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via email, with forms in Danish and English.
  2. 02VerifyIdentity and documents are checked through MitID and Signicat.
  3. 03DecideScorecards pull RKI and Debitor Registret data and return a decision in seconds.
  4. 04DisburseFunds go out via Straksoverførsel or MobilePay in DKK, straight after signing.
  5. 05CollectRepayments arrive via Betalingsservice and MobilePay, 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

30.000 kr.

Next payment

5.350 kr. · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

FrejaVerifierApproved
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 Denmark launch on .

Consumer instalment loansPersonal loans with RKI checks and MitID signing.
BNPL & POSInstalments for online retailers.
Business lendingSME loans decided on bank data.

Compliance

Configured for Finanstilsynet and GDPR.

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

Hosting & data residency

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

Consent & privacy

Borrower consents are captured, versioned and logged under GDPR.

Pricing & disclosures

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

Audit trail

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

More markets in Northern 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 Denmark?+

Yes. The platform is set up for DKK, Danish and English and Finanstilsynet requirements, with 12 local connectors ready on day one.

Which credit data sources are connected in Denmark?+

RKI, Debitor Registret. On top of that, identity checks run through MitID and Signicat and bank data comes from Tink and Aiia.

How do borrowers get paid and repay?+

Payouts go out via Straksoverførsel and MobilePay in DKK. Repayments arrive via Betalingsservice and MobilePay, with reminders over WhatsApp Business and Sinch.

How long does a launch in Denmark 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 Denmark? 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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