Lending software for Peru

Strong microfinance and Yape-driven payments make Peru one of the most active small-loan markets in the region. lendhero arrives with Equifax Perú (Infocorp), RENIEC and CCE transfers already connected, so your team configures products instead of plumbing.

See the local stack
  • PEN (S/)
  • Spanish, English
  • 19 local connectors
  • 1–2 weeks to launch

Hola, Lucía

ApprovedS/ 3,000

747

Credit score

On-time payments

Monthly paymentS/ 295

Market profile

Peru at a glance

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

Currency

PEN (S/)

Languages

Spanish, English

Supervisor

Superintendencia de Banca, Seguros y AFP

Credit data

Equifax Perú (Infocorp), Experian Perú, Sentinel

Payout rails

CCE transfers, Yape, Plin

Data protection

Ley 29733

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

Working with borrowers in Peru

Tools for every borrower conversation

Borrowers in Peru apply, sign, pay and come back for repeat loans in Spanish and PEN.

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

Lucía · Consumer loan, 6 months · S/ 3,000

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

Local stack

The Peru stack, connected before kickoff.

lendhero ships with the connectors lenders in Peru use every day, from Equifax Perú (Infocorp) to Yape. New ones are added through the open API.

  • Credit bureaus & registries4 connectors
    • EEquifax Perú (Infocorp)
    • EExperian Perú
    • SSentinel
    • RRCC (SBS)
  • Identity & KYC3 connectors
    • RRENIEC
    • TTruora
    • MMetaMap
  • Bank & alternative data2 connectors
    • PPrometeo
    • BBelvo
  • Disbursement rails3 connectors
    • CCCE transfers
    • YYape
    • PPlin
  • Repayments & collections3 connectors
    • YYape
    • PPagoEfectivo
    • KKasnet
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Peru

Applicants are checked with Equifax Perú (Infocorp) and Experian Perú, and money moves via CCE transfers and Yape.

Client checks

Checks connected in Peru:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationRENIEC, Truora, MetaMapPass
  • Credit bureausEquifax Perú (Infocorp), Experian Perú, SentinelPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataPrometeo, BelvoReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Peru:

DisbursementCCE transfers, Yape, Plin in PEN
RepaymentYape, PagoEfectivo, Kasnet
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • CCE transfers
  • Yape
  • Plin
  • PagoEfectivo
  • Kasnet

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 PEN 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

S/ 3,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid S/ 1,070 of S/ 3,2102 of 6 payments
DateAmountStatus
Sep 4S/ 540Paid
Oct 4S/ 540Paid
Nov 4S/ 540Due in 7 days
Dec 4S/ 540Upcoming
Jan 4S/ 540Upcoming
Reminder sentYour payment of S/ 540 is due Nov 4

Loan flow

How a loan runs in Peru. 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 RENIEC and Truora.
  3. 03DecideScorecards pull Equifax Perú (Infocorp) and Experian Perú data and return a decision in seconds.
  4. 04DisburseFunds go out via CCE transfers or Yape in PEN, straight after signing.
  5. 05CollectRepayments arrive via Yape and PagoEfectivo, 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

S/ 3,000

Next payment

S/ 540 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

LucíaVerifierApproved
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 Peru launch on .

Microenterprise loansProducts tuned for cajas, edpymes and microfinance lenders.
Payroll credit (convenio)Employer-agreement loans with automated deduction files.
Digital consumer loansPayouts to Yape and Plin, repayments through PagoEfectivo.

Compliance

Configured for SBS and Ley 29733.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where Ley 29733 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under Ley 29733.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for SBS 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 Peru?+

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

Which credit data sources are connected in Peru?+

Equifax Perú (Infocorp), Experian Perú, Sentinel. On top of that, identity checks run through RENIEC, Truora and MetaMap and bank data comes from Prometeo and Belvo.

How do borrowers get paid and repay?+

Payouts go out via CCE transfers, Yape and Plin in PEN. Repayments arrive via Yape, PagoEfectivo and Kasnet, with reminders over WhatsApp Business and Infobip.

How long does a launch in Peru 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 Peru? 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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