Lending software for Chile

The Fintec Law and open finance rollout give Chilean lenders bank-grade data with customer consent. lendhero arrives with Equifax Chile (Dicom), Registro Civil and TEF transfers already connected, so your team configures products instead of plumbing.

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

Hola, Valentina

ApprovedCLP 1.500.000

797

Credit score

On-time payments

Monthly paymentCLP 148.000

Market profile

Chile at a glance

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

Currency

CLP ($)

Languages

Spanish, English

Supervisor

Comisión para el Mercado Financiero

Credit data

Equifax Chile (Dicom), Sinacofi

Payout rails

TEF transfers, Fintoc, Khipu

Data protection

Ley 21.719

17
local connectors wired in before kickoff
CLP
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Spanish, English

Working with borrowers in Chile

Tools for every borrower conversation

Borrowers in Chile apply, sign, pay and come back for repeat loans in Spanish and CLP.

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

Valentina · Consumer loan, 6 months · CLP 1.500.000

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

Local stack

The Chile stack, connected before kickoff.

Equifax Chile (Dicom), Registro Civil, TEF transfers and WhatsApp Business are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries2 connectors
    • EEquifax Chile (Dicom)
    • SSinacofi
  • Identity & KYC3 connectors
    • RRegistro Civil
    • TTruora
    • MMetaMap
  • Bank & alternative data3 connectors
    • FFintoc
    • FFloid
    • OOpen Finance (Ley Fintec)
  • Disbursement rails3 connectors
    • TTEF transfers
    • FFintoc
    • KKhipu
  • Repayments & collections3 connectors
    • PPAC direct debit
    • KKhipu
    • SServipag
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Chile

Applicants are checked with Equifax Chile (Dicom) and Sinacofi, and money moves via TEF transfers and Fintoc.

Client checks

Checks connected in Chile:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationRegistro Civil, Truora, MetaMapPass
  • Credit bureausEquifax Chile (Dicom), SinacofiPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataFintoc, Floid, Open Finance (Ley Fintec)Review
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Chile:

DisbursementTEF transfers, Fintoc, Khipu in CLP
RepaymentPAC direct debit, Khipu, Servipag
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • TEF transfers
  • Fintoc
  • Khipu
  • PAC direct debit
  • Servipag

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 CLP 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

CLP 1.500.000

On track
Auto-calculated · 200+ parametersManual edit
Repaid CLP 535.000 of CLP 1.605.0002 of 6 payments
DateAmountStatus
Sep 4CLP 267.500Paid
Oct 4CLP 267.500Paid
Nov 4CLP 267.500Due in 7 days
Dec 4CLP 267.500Upcoming
Jan 4CLP 267.500Upcoming
Reminder sentYour payment of CLP 267.500 is due Nov 4

Loan flow

How a loan runs in Chile. 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 Registro Civil and Truora.
  3. 03DecideScorecards pull Equifax Chile (Dicom) and Sinacofi data and return a decision in seconds.
  4. 04DisburseFunds go out via TEF transfers or Fintoc in CLP, straight after signing.
  5. 05CollectRepayments arrive via PAC direct debit and Khipu, 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

CLP 1.500.000

Next payment

CLP 267.500 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

ValentinaVerifierApproved
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 Chile launch on .

Consumer creditFully digital loans with open-finance income checks.
SME factoringInvoice-based financing for small businesses.
Auto creditDealer origination flows for car loans.

Compliance

Configured for CMF and Ley 21.719.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where Ley 21.719 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under Ley 21.719.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for CMF 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 Chile?+

Yes. The platform is set up for CLP, Spanish and English and CMF requirements, with 17 local connectors ready on day one.

Which credit data sources are connected in Chile?+

Equifax Chile (Dicom), Sinacofi. On top of that, identity checks run through Registro Civil, Truora and MetaMap and bank data comes from Fintoc, Floid and Open Finance (Ley Fintec).

How do borrowers get paid and repay?+

Payouts go out via TEF transfers, Fintoc and Khipu in CLP. Repayments arrive via PAC direct debit, Khipu and Servipag, with reminders over WhatsApp Business and Infobip.

How long does a launch in Chile take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 17 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 Chile? 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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