Lending software for Uruguay

Uruguay pairs stable regulation with high banking and e-ID adoption, a clean base for digital lending. lendhero arrives with Equifax Uruguay (Clearing), Cédula digital and Instant transfers already connected, so your team configures products instead of plumbing.

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

Hola, Martina

ApprovedUYU 40.000

722

Credit score

On-time payments

Monthly paymentUYU 3.930

Market profile

Uruguay at a glance

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

Currency

UYU ($)

Languages

Spanish, English

Supervisor

Banco Central del Uruguay

Credit data

Equifax Uruguay (Clearing), Central de Riesgos (BCU)

Payout rails

Instant transfers, Prex, Mi Dinero

Data protection

Ley 18.331

17
local connectors wired in before kickoff
UYU
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Spanish, English

Working with borrowers in Uruguay

Tools for every borrower conversation

Borrowers in Uruguay apply, sign, pay and come back for repeat loans in Spanish and UYU.

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

Martina · Consumer loan, 6 months · UYU 40.000

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

Local stack

The Uruguay stack, connected before kickoff.

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

  • Credit bureaus & registries2 connectors
    • EEquifax Uruguay (Clearing)
    • CCentral de Riesgos (BCU)
  • Identity & KYC2 connectors
    • CCédula digital
    • MMetaMap
  • Bank & alternative data2 connectors
    • PPrometeo
    • BBank statement parsing
  • Disbursement rails3 connectors
    • IInstant transfers
    • PPrex
    • MMi Dinero
  • Repayments & collections3 connectors
    • AAbitab
    • RRedPagos
    • BBank debit
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Uruguay

Applicants are checked with Equifax Uruguay (Clearing) and Central de Riesgos (BCU), and money moves via Instant transfers and Prex.

Client checks

Checks connected in Uruguay:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationCédula digital, MetaMapPass
  • Credit bureausEquifax Uruguay (Clearing), Central de Riesgos (BCU)Pass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataPrometeo, Bank statement parsingReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Uruguay:

DisbursementInstant transfers, Prex, Mi Dinero in UYU
RepaymentAbitab, RedPagos, Bank debit
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Instant transfers
  • Prex
  • Mi Dinero
  • Abitab
  • RedPagos
  • 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 UYU 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

UYU 40.000

On track
Auto-calculated · 200+ parametersManual edit
Repaid UYU 14.270 of UYU 42.8002 of 6 payments
DateAmountStatus
Sep 4UYU 7.130Paid
Oct 4UYU 7.130Paid
Nov 4UYU 7.130Due in 7 days
Dec 4UYU 7.130Upcoming
Jan 4UYU 7.130Upcoming
Reminder sentYour payment of UYU 7.130 is due Nov 4

Loan flow

How a loan runs in Uruguay. 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 Cédula digital and MetaMap.
  3. 03DecideScorecards pull Equifax Uruguay (Clearing) and Central de Riesgos (BCU) data and return a decision in seconds.
  4. 04DisburseFunds go out via Instant transfers or Prex in UYU, straight after signing.
  5. 05CollectRepayments arrive via Abitab and RedPagos, 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

UYU 40.000

Next payment

UYU 7.130 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

MartinaVerifierApproved
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 Uruguay launch on .

Consumer creditRetail and personal loans for non-bank lenders.
Payroll loansRetention-based loans for public and private employees.
SME creditWorking capital with invoice and cash-flow data.

Compliance

Configured for BCU and Ley 18.331.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where Ley 18.331 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under Ley 18.331.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for BCU 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 Uruguay?+

Yes. The platform is set up for UYU, Spanish and English and BCU requirements, with 17 local connectors ready on day one.

Which credit data sources are connected in Uruguay?+

Equifax Uruguay (Clearing), Central de Riesgos (BCU). On top of that, identity checks run through Cédula digital and MetaMap and bank data comes from Prometeo and Bank statement parsing.

How do borrowers get paid and repay?+

Payouts go out via Instant transfers, Prex and Mi Dinero in UYU. Repayments arrive via Abitab, RedPagos and Bank debit, with reminders over WhatsApp Business and Infobip.

How long does a launch in Uruguay take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 17 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 Uruguay? 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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