Lending software for Trinidad and Tobago

Credit unions and finance companies dominate retail lending in Trinidad and Tobago, and both are moving online. lendhero arrives with TransUnion Trinidad & Tobago, National ID and ACH transfers already connected, so your team configures products instead of plumbing.

See the local stack
  • TTD (TT$)
  • English
  • 13 local connectors
  • 1–2 weeks to launch

Hi, Kavita

ApprovedTT$ 30,000

700

Credit score

On-time payments

Monthly paymentTT$ 2,950

Market profile

Trinidad and Tobago at a glance

What lendhero is set up for in Trinidad and Tobago before your team logs in.

Currency

TTD (TT$)

Languages

English

Supervisor

Central Bank of Trinidad and Tobago

Credit data

TransUnion Trinidad & Tobago

Payout rails

ACH transfers, WiPay

Data protection

the Data Protection Act

13
local connectors wired in before kickoff
TTD
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
1
interface languages: English

Working with borrowers in Trinidad and Tobago

Tools for every borrower conversation

Borrowers in Trinidad and Tobago apply, sign, pay and come back for repeat loans in English and TTD.

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 English.

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

Kavita · Consumer loan, 6 months · TT$ 30,000

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

Local stack

The Trinidad and Tobago stack, connected before kickoff.

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

  • Credit bureaus & registries1 connector
    • TTransUnion Trinidad & Tobago
  • Identity & KYC2 connectors
    • NNational ID
    • SSumsub
  • Bank & alternative data1 connector
    • BBank statement parsing
  • Disbursement rails2 connectors
    • AACH transfers
    • WWiPay
  • Repayments & collections3 connectors
    • WWiPay
    • BBank debit
    • PPayroll deduction
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Trinidad and Tobago

Applicants are checked with TransUnion Trinidad & Tobago, and money moves via ACH transfers and WiPay.

Client checks

Checks connected in Trinidad and Tobago:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationNational ID, SumsubPass
  • Credit bureausTransUnion Trinidad & TobagoPass
  • 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 Trinidad and Tobago:

DisbursementACH transfers, WiPay in TTD
RepaymentWiPay, Bank debit, Payroll deduction
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • ACH transfers
  • WiPay
  • Bank debit
  • Payroll deduction

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 TTD 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

TT$ 30,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid TT$ 10,700 of TT$ 32,1002 of 6 payments
DateAmountStatus
Sep 4TT$ 5,350Paid
Oct 4TT$ 5,350Paid
Nov 4TT$ 5,350Due in 7 days
Dec 4TT$ 5,350Upcoming
Jan 4TT$ 5,350Upcoming
Reminder sentYour payment of TT$ 5,350 is due Nov 4

Loan flow

How a loan runs in Trinidad and Tobago. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in English.
  2. 02VerifyIdentity and documents are checked through National ID and Sumsub.
  3. 03DecideScorecards pull TransUnion Trinidad & Tobago data and return a decision in seconds.
  4. 04DisburseFunds go out via ACH transfers or WiPay in TTD, straight after signing.
  5. 05CollectRepayments arrive via WiPay and Bank debit, 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

TT$ 30,000

Next payment

TT$ 5,350 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

KavitaVerifierApproved
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 Trinidad and Tobago launch on .

Credit union lendingMember loans with savings-linked limits and share pledges.
Consumer loansPersonal credit with digital applications and e-signature.
Auto and asset loansVehicle and equipment financing with dealer origination.

Compliance

Configured for CBTT and the Data Protection Act.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where the Data Protection Act requires.

Consent & privacy

Borrower consents are captured, versioned and logged under the Data Protection Act.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for CBTT 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 Trinidad and Tobago?+

Yes. The platform is set up for TTD, English and CBTT requirements, with 13 local connectors ready on day one.

Which credit data sources are connected in Trinidad and Tobago?+

TransUnion Trinidad & Tobago. On top of that, identity checks run through National ID and Sumsub and bank data comes from Bank statement parsing.

How do borrowers get paid and repay?+

Payouts go out via ACH transfers and WiPay in TTD. Repayments arrive via WiPay, Bank debit and Payroll deduction, with reminders over WhatsApp Business and Infobip.

How long does a launch in Trinidad and Tobago take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 13 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 Trinidad and Tobago? 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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