Lending software for Paraguay

Mobile wallets and dense cash-payment networks let Paraguayan lenders reach far beyond bank branches. lendhero arrives with Informconf (Equifax), National ID registry and SIPAP already connected, so your team configures products instead of plumbing.

See the local stack
  • PYG (₲)
  • Spanish, English
  • 15 local connectors
  • 1–2 weeks to launch

Hola, Fernanda

Approved₲ 5.000.000

807

Credit score

On-time payments

Monthly payment₲ 492.000

Market profile

Paraguay at a glance

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

Currency

PYG (₲)

Languages

Spanish, English

Supervisor

Banco Central del Paraguay

Credit data

Informconf (Equifax), Central de Riesgos (BCP)

Payout rails

SIPAP, Tigo Money, Bancard QR

Data protection

Ley 6534

15
local connectors wired in before kickoff
PYG
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Spanish, English

Working with borrowers in Paraguay

Tools for every borrower conversation

Borrowers in Paraguay apply, sign, pay and come back for repeat loans in Spanish and PYG.

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

Fernanda · Consumer loan, 6 months · ₲ 5.000.000

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

Local stack

The Paraguay stack, connected before kickoff.

lendhero ships with the connectors lenders in Paraguay use every day, from Informconf (Equifax) to Pago Express. New ones are added through the open API.

  • Credit bureaus & registries2 connectors
    • IInformconf (Equifax)
    • CCentral de Riesgos (BCP)
  • Identity & KYC2 connectors
    • NNational ID registry
    • MMetaMap
  • Bank & alternative data1 connector
    • BBank statement parsing
  • Disbursement rails3 connectors
    • SSIPAP
    • TTigo Money
    • BBancard QR
  • Repayments & collections3 connectors
    • PPago Express
    • AAquí Pago
    • TTigo Money
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Paraguay

Applicants are checked with Informconf (Equifax) and Central de Riesgos (BCP), and money moves via SIPAP and Tigo Money.

Client checks

Checks connected in Paraguay:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationNational ID registry, MetaMapPass
  • Credit bureausInformconf (Equifax), Central de Riesgos (BCP)Pass
  • 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 Paraguay:

DisbursementSIPAP, Tigo Money, Bancard QR in PYG
RepaymentPago Express, Aquí Pago, Tigo Money
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • SIPAP
  • Tigo Money
  • Bancard QR
  • Pago Express
  • Aquí Pago

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 PYG 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

₲ 5.000.000

On track
Auto-calculated · 200+ parametersManual edit
Repaid ₲ 1.783.330 of ₲ 5.350.0002 of 6 payments
DateAmountStatus
Sep 4₲ 891.670Paid
Oct 4₲ 891.670Paid
Nov 4₲ 891.670Due in 7 days
Dec 4₲ 891.670Upcoming
Jan 4₲ 891.670Upcoming
Reminder sentYour payment of ₲ 891.670 is due Nov 4

Loan flow

How a loan runs in Paraguay. 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 National ID registry and MetaMap.
  3. 03DecideScorecards pull Informconf (Equifax) and Central de Riesgos (BCP) data and return a decision in seconds.
  4. 04DisburseFunds go out via SIPAP or Tigo Money in PYG, straight after signing.
  5. 05CollectRepayments arrive via Pago Express and Aquí Pago, 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

₲ 5.000.000

Next payment

₲ 891.670 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

FernandaVerifierApproved
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 Paraguay launch on .

Consumer loansFast personal credit with Tigo Money payouts.
Agri and rural creditSeasonal schedules for producers and rural SMEs.
Retail installmentsStore credit and installment plans at the point of sale.

Compliance

Configured for BCP and Ley 6534.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where Ley 6534 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under Ley 6534.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for BCP 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 Paraguay?+

Yes. The platform is set up for PYG, Spanish and English and BCP requirements, with 15 local connectors ready on day one.

Which credit data sources are connected in Paraguay?+

Informconf (Equifax), Central de Riesgos (BCP). On top of that, identity checks run through National ID registry and MetaMap and bank data comes from Bank statement parsing.

How do borrowers get paid and repay?+

Payouts go out via SIPAP, Tigo Money and Bancard QR in PYG. Repayments arrive via Pago Express, Aquí Pago and Tigo Money, with reminders over WhatsApp Business and Infobip.

How long does a launch in Paraguay take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 15 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 Paraguay? 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.

By sending this form you agree that lendhero may contact you about your request. See our Privacy Policy.