Lending software for Serbia

A bank-led market with NBS-approved video identification and IPS instant QR payments. lendhero arrives with Kreditni biro, Video identification and IPS instant payments already connected, so your team configures products instead of plumbing.

See the local stack
  • RSD (RSD)
  • Serbian, English
  • 12 local connectors
  • 1–2 weeks to launch

Zdravo, Jelena

Approved300.000 RSD

803

Credit score

On-time payments

Monthly payment7.380 RSD

Market profile

Serbia at a glance

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

Currency

RSD (RSD)

Languages

Serbian, English

Supervisor

National Bank of Serbia

Credit data

Kreditni biro

Payout rails

IPS instant payments, Card

Data protection

the Law on Personal Data Protection

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

Working with borrowers in Serbia

Tools for every borrower conversation

Borrowers in Serbia apply, sign, pay and come back for repeat loans in Serbian and RSD.

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 Viber Business and Infobip automatically.

Your application is approvedViber Business
Your payment is due tomorrowInfobip
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 Serbian.

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

Jelena · Consumer loan, 6 months · 300.000 RSD

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

Local stack

The Serbia stack, connected before kickoff.

lendhero ships with the connectors lenders in Serbia use every day, from Kreditni biro to Card. New ones are added through the open API.

  • Credit bureaus & registries1 connector
    • KKreditni biro
  • Identity & KYC2 connectors
    • VVideo identification
    • OOnfido
  • Bank & alternative data1 connector
    • BBank statements
  • Disbursement rails2 connectors
    • IIPS instant payments
    • CCard
  • Repayments & collections2 connectors
    • CCard
    • IIPS QR
  • Messaging3 connectors
    • VViber Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign
    • YYousign

Checks and payments

Who borrows and how money moves in Serbia

Applicants are checked with Kreditni biro, and money moves via IPS instant payments and Card.

Client checks

Checks connected in Serbia:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationVideo identification, OnfidoPass
  • Credit bureausKreditni biroPass
  • 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 Serbia:

DisbursementIPS instant payments, Card in RSD
RepaymentCard, IPS QR
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • IPS instant payments
  • Card
  • IPS QR

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 RSD 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

300.000 RSD

On track
Auto-calculated · 200+ parametersManual edit
Repaid 107.000 RSD of 321.000 RSD2 of 6 payments
DateAmountStatus
Sep 453.500 RSDPaid
Oct 453.500 RSDPaid
Nov 453.500 RSDDue in 7 days
Dec 453.500 RSDUpcoming
Jan 453.500 RSDUpcoming
Reminder sentYour payment of 53.500 RSD is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via Viber, with forms in Serbian and English.
  2. 02VerifyIdentity and documents are checked through Video identification and Onfido.
  3. 03DecideScorecards pull Kreditni biro data and return a decision in seconds.
  4. 04DisburseFunds go out via IPS instant payments or Card in RSD, straight after signing.
  5. 05CollectRepayments arrive via Card and IPS QR, with reminders over Viber Business.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

300.000 RSD

Next payment

53.500 RSD · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

JelenaVerifierApproved
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 Serbia launch on .

Consumer instalment loansPersonal loans with Kreditni biro checks.
Auto financingCar loans and leasing.
Business lendingLoans for SMEs and entrepreneurs.

Compliance

Configured for NBS and the Law on Personal Data Protection.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where the Law on Personal Data Protection requires.

Consent & privacy

Borrower consents are captured, versioned and logged under the Law on Personal Data Protection.

Pricing & disclosures

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

Audit trail

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

More markets in Western Balkans

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 Serbia?+

Yes. The platform is set up for RSD, Serbian and English and NBS requirements, with 12 local connectors ready on day one.

Which credit data sources are connected in Serbia?+

Kreditni biro. On top of that, identity checks run through Video identification and Onfido and bank data comes from Bank statements.

How do borrowers get paid and repay?+

Payouts go out via IPS instant payments and Card in RSD. Repayments arrive via Card and IPS QR, with reminders over Viber Business and Infobip.

How long does a launch in Serbia 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 Serbia? 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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