Lending software for Dominican Republic

Bank sub-agents and mobile payments carry Dominican credit into neighborhoods with no branch in sight. lendhero arrives with TransUnion República Dominicana, JCE ID validation and ACH transfers already connected, so your team configures products instead of plumbing.

See the local stack
  • DOP (RD$)
  • Spanish, English
  • 14 local connectors
  • 1–2 weeks to launch

Hola, Yaritza

ApprovedRD$ 60,000

813

Credit score

On-time payments

Monthly paymentRD$ 5,900

Market profile

Dominican Republic at a glance

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

Currency

DOP (RD$)

Languages

Spanish, English

Supervisor

Superintendencia de Bancos

Credit data

TransUnion República Dominicana, DataCrédito

Payout rails

ACH transfers, tPago

Data protection

Ley 172-13

14
local connectors wired in before kickoff
DOP
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Spanish, English

Working with borrowers in Dominican Republic

Tools for every borrower conversation

Borrowers in Dominican Republic apply, sign, pay and come back for repeat loans in Spanish and DOP.

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

Yaritza · Consumer loan, 6 months · RD$ 60,000

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

Local stack

The Dominican Republic stack, connected before kickoff.

TransUnion República Dominicana, JCE ID validation, ACH transfers and WhatsApp Business are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries2 connectors
    • TTransUnion República Dominicana
    • DDataCrédito
  • Identity & KYC2 connectors
    • JJCE ID validation
    • MMetaMap
  • Bank & alternative data1 connector
    • BBank statement parsing
  • Disbursement rails2 connectors
    • AACH transfers
    • ttPago
  • Repayments & collections3 connectors
    • BBank sub-agents
    • ttPago
    • BBank debit
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Dominican Republic

Applicants are checked with TransUnion República Dominicana and DataCrédito, and money moves via ACH transfers and tPago.

Client checks

Checks connected in Dominican Republic:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationJCE ID validation, MetaMapPass
  • Credit bureausTransUnion República Dominicana, DataCréditoPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBank statement parsingReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Dominican Republic:

DisbursementACH transfers, tPago in DOP
RepaymentBank sub-agents, tPago, Bank debit
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • ACH transfers
  • tPago
  • Bank sub-agents
  • Bank debit

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 DOP 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

RD$ 60,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid RD$ 21,400 of RD$ 64,2002 of 6 payments
DateAmountStatus
Sep 4RD$ 10,700Paid
Oct 4RD$ 10,700Paid
Nov 4RD$ 10,700Due in 7 days
Dec 4RD$ 10,700Upcoming
Jan 4RD$ 10,700Upcoming
Reminder sentYour payment of RD$ 10,700 is due Nov 4

Loan flow

How a loan runs in Dominican Republic. 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 JCE ID validation and MetaMap.
  3. 03DecideScorecards pull TransUnion República Dominicana and DataCrédito data and return a decision in seconds.
  4. 04DisburseFunds go out via ACH transfers or tPago in DOP, straight after signing.
  5. 05CollectRepayments arrive via Bank sub-agents and tPago, 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

RD$ 60,000

Next payment

RD$ 10,700 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

YaritzaVerifierApproved
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 Dominican Republic launch on .

MicrocreditSmall business loans with field-officer workflows.
Payroll loansDeduction-based credit for employees.
Motorcycle financingAsset loans for delivery and transport workers.

Compliance

Configured for SB and Ley 172-13.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where Ley 172-13 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under Ley 172-13.

Pricing & disclosures

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

Audit trail

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

More markets in Caribbean

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 Dominican Republic?+

Yes. The platform is set up for DOP, Spanish and English and SB requirements, with 14 local connectors ready on day one.

Which credit data sources are connected in Dominican Republic?+

TransUnion República Dominicana, DataCrédito. On top of that, identity checks run through JCE ID validation and MetaMap and bank data comes from Bank statement parsing.

How do borrowers get paid and repay?+

Payouts go out via ACH transfers and tPago in DOP. Repayments arrive via Bank sub-agents, tPago and Bank debit, with reminders over WhatsApp Business and Infobip.

How long does a launch in Dominican Republic take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 14 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 Dominican Republic? 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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