Lending software for Hungary

A market with KHR credit checks, instant AFR payments and interest-rate caps on consumer credit. lendhero arrives with KHR (Central Credit Information System), Ügyfélkapu and AFR instant payments already connected, so your team configures products instead of plumbing.

See the local stack
  • HUF (Ft)
  • Hungarian, English
  • 15 local connectors
  • 1–2 weeks to launch

Szia, Eszter

Approved1 500 000 Ft

739

Credit score

On-time payments

Monthly payment36 900 Ft

Market profile

Hungary at a glance

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

Currency

HUF (Ft)

Languages

Hungarian, English

Supervisor

Magyar Nemzeti Bank

Credit data

KHR (Central Credit Information System), Lender data

Payout rails

AFR instant payments, SEPA

Data protection

GDPR and the Info Act

15
local connectors wired in before kickoff
HUF
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Hungarian, English

Working with borrowers in Hungary

Tools for every borrower conversation

Borrowers in Hungary apply, sign, pay and come back for repeat loans in Hungarian and HUF.

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 Hungarian.

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

Eszter · Consumer loan, 6 months · 1 500 000 Ft

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

Local stack

The Hungary stack, connected before kickoff.

KHR (Central Credit Information System), Ügyfélkapu, AFR instant payments and WhatsApp Business are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries2 connectors
    • KKHR (Central Credit Information System)
    • LLender data
  • Identity & KYC2 connectors
    • ÜÜgyfélkapu
    • OOnfido
  • Bank & alternative data2 connectors
    • TTink
    • SSalt Edge
  • Disbursement rails2 connectors
    • AAFR instant payments
    • 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 Hungary

Applicants are checked with KHR (Central Credit Information System) and Lender data, and money moves via AFR instant payments and SEPA.

Client checks

Checks connected in Hungary:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationÜgyfélkapu, OnfidoPass
  • Credit bureausKHR (Central Credit Information System), Lender dataPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataTink, Salt EdgeReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Hungary:

DisbursementAFR instant payments, SEPA in HUF
RepaymentDirect debit, Card
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • AFR instant payments
  • 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 HUF 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

1 500 000 Ft

On track
Auto-calculated · 200+ parametersManual edit
Repaid 535 000 Ft of 1 605 000 Ft2 of 6 payments
DateAmountStatus
Sep 4267 500 FtPaid
Oct 4267 500 FtPaid
Nov 4267 500 FtDue in 7 days
Dec 4267 500 FtUpcoming
Jan 4267 500 FtUpcoming
Reminder sentYour payment of 267 500 Ft is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via email, with forms in Hungarian and English.
  2. 02VerifyIdentity and documents are checked through Ügyfélkapu and Onfido.
  3. 03DecideScorecards pull KHR (Central Credit Information System) and Lender data data and return a decision in seconds.
  4. 04DisburseFunds go out via AFR instant payments or SEPA in HUF, straight after signing.
  5. 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.

My loan

1 500 000 Ft

Next payment

267 500 Ft · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

EszterVerifierApproved
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 Hungary launch on .

Consumer instalment loansPersonal loans with KHR checks.
Auto financingCar loans for dealers.
Business lendingLoans for SMEs.

Compliance

Configured for MNB and GDPR and the Info Act.

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

Hosting & data residency

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

Consent & privacy

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

Pricing & disclosures

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

Audit trail

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

More markets in Central & Eastern 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 Hungary?+

Yes. The platform is set up for HUF, Hungarian and English and MNB requirements, with 15 local connectors ready on day one.

Which credit data sources are connected in Hungary?+

KHR (Central Credit Information System), Lender data. On top of that, identity checks run through Ügyfélkapu and Onfido and bank data comes from Tink and Salt Edge.

How do borrowers get paid and repay?+

Payouts go out via AFR instant payments and SEPA in HUF. Repayments arrive via Direct debit and Card, with reminders over WhatsApp Business and Sinch.

How long does a launch in Hungary take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 15 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 Hungary? 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.

By sending this form you agree that lendhero may contact you about your request. See our Privacy Policy.