Lending software for Mexico

SPEI rails and two national credit bureaus give Mexican SOFOMs and fintechs a strong base for instant lending. lendhero arrives with Buró de Crédito, INE validation and SPEI already connected, so your team configures products instead of plumbing.

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

Hola, Andrea

ApprovedMX$ 15,000

783

Credit score

On-time payments

Monthly paymentMX$ 1,480

Market profile

Mexico at a glance

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

Currency

MXN ($)

Languages

Spanish, English

Supervisor

Comisión Nacional Bancaria y de Valores

Credit data

Buró de Crédito, Círculo de Crédito

Payout rails

SPEI, STP, CoDi

Data protection

LFPDPPP

20
local connectors wired in before kickoff
MXN
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Spanish, English

Working with borrowers in Mexico

Tools for every borrower conversation

Borrowers in Mexico apply, sign, pay and come back for repeat loans in Spanish and MXN.

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 Twilio automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowTwilio
New receipt in your portalInfobip

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

Andrea · Consumer loan, 6 months · MX$ 15,000

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

Local stack

The Mexico stack, connected before kickoff.

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

  • Credit bureaus & registries2 connectors
    • BBuró de Crédito
    • CCírculo de Crédito
  • Identity & KYC4 connectors
    • IINE validation
    • RRENAPO (CURP)
    • IIncode
    • MMetaMap
  • Bank & alternative data3 connectors
    • BBelvo
    • FFinerio Connect
    • OOpen banking (Ley Fintech)
  • Disbursement rails3 connectors
    • SSPEI
    • SSTP
    • CCoDi
  • Repayments & collections3 connectors
    • DDomiciliación
    • OOXXO Pay
    • SSPEI references
  • Messaging3 connectors
    • WWhatsApp Business
    • TTwilio
    • IInfobip
  • E-signature2 connectors
    • MMifiel
    • DDocuSign

Checks and payments

Who borrows and how money moves in Mexico

Applicants are checked with Buró de Crédito and Círculo de Crédito, and money moves via SPEI and STP.

Client checks

Checks connected in Mexico:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationINE validation, RENAPO (CURP), IncodePass
  • Credit bureausBuró de Crédito, Círculo de CréditoPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBelvo, Finerio Connect, Open banking (Ley Fintech)Review
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Mexico:

DisbursementSPEI, STP, CoDi in MXN
RepaymentDomiciliación, OXXO Pay, SPEI references
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • SPEI
  • STP
  • CoDi
  • Domiciliación
  • OXXO Pay
  • SPEI references

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 MXN 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

MX$ 15,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid MX$ 5,350 of MX$ 16,0502 of 6 payments
DateAmountStatus
Sep 4MX$ 2,680Paid
Oct 4MX$ 2,680Paid
Nov 4MX$ 2,680Due in 7 days
Dec 4MX$ 2,680Upcoming
Jan 4MX$ 2,680Upcoming
Reminder sentYour payment of MX$ 2,680 is due Nov 4

Loan flow

How a loan runs in Mexico. 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 INE validation and RENAPO (CURP).
  3. 03DecideScorecards pull Buró de Crédito and Círculo de Crédito data and return a decision in seconds.
  4. 04DisburseFunds go out via SPEI or STP in MXN, straight after signing.
  5. 05CollectRepayments arrive via Domiciliación and OXXO Pay, 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

MX$ 15,000

Next payment

MX$ 2,680 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

AndreaVerifierApproved
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 Mexico launch on .

Payroll loans (nómina)Employer-agreement credit with automated deductions.
SOFOM consumer creditDigital personal loans with SPEI payouts in minutes.
Point-of-sale installmentsBNPL and installment plans for retailers and e-commerce.

Compliance

Configured for CNBV and LFPDPPP.

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

Hosting & data residency

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

Consent & privacy

Borrower consents are captured, versioned and logged under LFPDPPP.

Pricing & disclosures

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

Audit trail

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

More markets in Mexico & Central 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 Mexico?+

Yes. The platform is set up for MXN, Spanish and English and CNBV requirements, with 20 local connectors ready on day one.

Which credit data sources are connected in Mexico?+

Buró de Crédito, Círculo de Crédito. On top of that, identity checks run through INE validation, RENAPO (CURP) and Incode and bank data comes from Belvo, Finerio Connect and Open banking (Ley Fintech).

How do borrowers get paid and repay?+

Payouts go out via SPEI, STP and CoDi in MXN. Repayments arrive via Domiciliación, OXXO Pay and SPEI references, with reminders over WhatsApp Business and Twilio.

How long does a launch in Mexico take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 20 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 Mexico? 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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