Lending software for Germany

Europe’s largest economy, where SCHUFA scores, video identification and SEPA mandates shape every loan. lendhero arrives with SCHUFA, IDnow and SEPA already connected, so your team configures products instead of plumbing.

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

Hallo, Lena

Approved6.000 €

783

Credit score

On-time payments

Monthly payment148 €

Market profile

Germany at a glance

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

Currency

EUR (€)

Languages

German, English

Supervisor

BaFin

Credit data

SCHUFA, Creditreform, CRIF Bürgel

Payout rails

SEPA, SEPA Instant

Data protection

GDPR and the BDSG

18
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 Germany

Tools for every borrower conversation

Borrowers in Germany 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

Lena · Consumer loan, 6 months · 6.000 €

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

Local stack

The Germany stack, connected before kickoff.

SCHUFA, IDnow, SEPA and WhatsApp Business are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries3 connectors
    • SSCHUFA
    • CCreditreform
    • CCRIF Bürgel
  • Identity & KYC3 connectors
    • IIDnow
    • WWebID
    • NNect
  • Bank & alternative data3 connectors
    • ffinAPI
    • TTink
    • KKlarna Kosma
  • Disbursement rails2 connectors
    • SSEPA
    • SSEPA Instant
  • Repayments & collections2 connectors
    • SSEPA Direct Debit
    • CCard
  • Messaging3 connectors
    • WWhatsApp Business
    • SSinch
  • E-signature2 connectors
    • DDocuSign
    • SSkribble

Checks and payments

Who borrows and how money moves in Germany

Applicants are checked with SCHUFA and Creditreform, and money moves via SEPA and SEPA Instant.

Client checks

Checks connected in Germany:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationIDnow, WebID, NectPass
  • Credit bureausSCHUFA, Creditreform, CRIF BürgelPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative datafinAPI, Tink, Klarna KosmaReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Germany:

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

6.000 €

On track
Auto-calculated · 200+ parametersManual edit
Repaid 2.140 € of 6.420 €2 of 6 payments
DateAmountStatus
Sep 41.070 €Paid
Oct 41.070 €Paid
Nov 41.070 €Due in 7 days
Dec 41.070 €Upcoming
Jan 41.070 €Upcoming
Reminder sentYour payment of 1.070 € is due Nov 4

Loan flow

How a loan runs in Germany. 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 WebID.
  3. 03DecideScorecards pull SCHUFA and Creditreform 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

6.000 €

Next payment

1.070 € · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

LenaVerifierApproved
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 Germany launch on .

Consumer instalment loansRatenkredite with SCHUFA scoring and video ID.
Business lendingLoans for the Mittelstand, decided on bank and accounting data.
BNPL & POSRatenkauf for online and in-store retailers.

Compliance

Configured for BaFin and GDPR and the BDSG.

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

Hosting & data residency

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

Consent & privacy

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

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for BaFin 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 Germany?+

Yes. The platform is set up for EUR, German and English and BaFin requirements, with 18 local connectors ready on day one.

Which credit data sources are connected in Germany?+

SCHUFA, Creditreform, CRIF Bürgel. On top of that, identity checks run through IDnow, WebID and Nect and bank data comes from finAPI, Tink and Klarna Kosma.

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 Germany take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 18 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 Germany? 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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