Lending software for Argentina

Pricing in Argentina moves fast, so lenders need products they can reprice in hours, not weeks. lendhero arrives with Nosis, RENAPER and Transferencias 3.0 already connected, so your team configures products instead of plumbing.

See the local stack
  • ARS ($)
  • Spanish, English
  • 19 local connectors
  • 1–2 weeks to launch

Hola, Sofía

ApprovedARS 800.000

801

Credit score

On-time payments

Monthly paymentARS 157.000

Market profile

Argentina at a glance

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

Currency

ARS ($)

Languages

Spanish, English

Supervisor

Banco Central de la República Argentina

Credit data

Nosis, Veraz (Equifax), Central de Deudores (BCRA)

Payout rails

Transferencias 3.0, CVU/CBU transfers, Mercado Pago

Data protection

Ley 25.326

19
local connectors wired in before kickoff
ARS
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Spanish, English

Working with borrowers in Argentina

Tools for every borrower conversation

Borrowers in Argentina apply, sign, pay and come back for repeat loans in Spanish and ARS.

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 Infobip automatically.

Your application is approvedWhatsApp 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 Spanish.

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

Sofía · Consumer loan, 6 months · ARS 800.000

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

Local stack

The Argentina stack, connected before kickoff.

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

  • Credit bureaus & registries3 connectors
    • NNosis
    • VVeraz (Equifax)
    • CCentral de Deudores (BCRA)
  • Identity & KYC3 connectors
    • RRENAPER
    • MMetaMap
    • TTruora
  • Bank & alternative data2 connectors
    • PPrometeo
    • BBank statement parsing
  • Disbursement rails3 connectors
    • TTransferencias 3.0
    • CCVU/CBU transfers
    • MMercado Pago
  • Repayments & collections3 connectors
    • DDEBIN
    • PPago Fácil
    • RRapipago
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Argentina

Applicants are checked with Nosis and Veraz (Equifax), and money moves via Transferencias 3.0 and CVU/CBU transfers.

Client checks

Checks connected in Argentina:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationRENAPER, MetaMap, TruoraPass
  • Credit bureausNosis, Veraz (Equifax), Central de Deudores (BCRA)Pass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataPrometeo, Bank statement parsingReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Argentina:

DisbursementTransferencias 3.0, CVU/CBU transfers, Mercado Pago in ARS
RepaymentDEBIN, Pago Fácil, Rapipago
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Transferencias 3.0
  • CVU/CBU transfers
  • Mercado Pago
  • DEBIN
  • Pago Fácil
  • Rapipago

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 ARS 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

ARS 800.000

On track
Auto-calculated · 200+ parametersManual edit
Repaid ARS 285.330 of ARS 856.0002 of 6 payments
DateAmountStatus
Sep 4ARS 142.670Paid
Oct 4ARS 142.670Paid
Nov 4ARS 142.670Due in 7 days
Dec 4ARS 142.670Upcoming
Jan 4ARS 142.670Upcoming
Reminder sentYour payment of ARS 142.670 is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Spanish and English.
  2. 02VerifyIdentity and documents are checked through RENAPER and MetaMap.
  3. 03DecideScorecards pull Nosis and Veraz (Equifax) data and return a decision in seconds.
  4. 04DisburseFunds go out via Transferencias 3.0 or CVU/CBU transfers in ARS, straight after signing.
  5. 05CollectRepayments arrive via DEBIN and Pago Fácil, 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

ARS 800.000

Next payment

ARS 142.670 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

SofíaVerifierApproved
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 Argentina launch on .

Short-term consumer loansQuick-decision credit with rates you can reprice as inflation moves.
Merchant advancesAdvances repaid from card and QR sales.
Payroll loansEmployer-deduction credit with automated files.

Compliance

Configured for BCRA and Ley 25.326.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where Ley 25.326 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under Ley 25.326.

Pricing & disclosures

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

Audit trail

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

More markets in South America

All Latin America 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 Argentina?+

Yes. The platform is set up for ARS, Spanish and English and BCRA requirements, with 19 local connectors ready on day one.

Which credit data sources are connected in Argentina?+

Nosis, Veraz (Equifax), Central de Deudores (BCRA). On top of that, identity checks run through RENAPER, MetaMap and Truora and bank data comes from Prometeo and Bank statement parsing.

How do borrowers get paid and repay?+

Payouts go out via Transferencias 3.0, CVU/CBU transfers and Mercado Pago in ARS. Repayments arrive via DEBIN, Pago Fácil and Rapipago, with reminders over WhatsApp Business and Infobip.

How long does a launch in Argentina take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 19 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 Argentina? 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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