Lending software for Jordan

An active microfinance market with CliQ instant payments and eFAWATEERcom bill payments for repayments. lendhero arrives with CRIF Jordan, Sanad and CliQ already connected, so your team configures products instead of plumbing.

See the local stack
  • JOD (JOD)
  • Arabic, English
  • 12 local connectors
  • 1–2 weeks to launch

Marhaba, Rania

Approved2,000 JOD

735

Credit score

On-time payments

Monthly payment98 JOD

Market profile

Jordan at a glance

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

Currency

JOD (JOD)

Languages

Arabic, English

Supervisor

Central Bank of Jordan

Credit data

CRIF Jordan

Payout rails

CliQ, JoMoPay, eFAWATEERcom

Data protection

the Personal Data Protection Law

12
local connectors wired in before kickoff
JOD
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Arabic, English

Working with borrowers in Jordan

Tools for every borrower conversation

Borrowers in Jordan apply, sign, pay and come back for repeat loans in Arabic and JOD.

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 Unifonic automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowUnifonic
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 Arabic.

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

Rania · Consumer loan, 6 months · 2,000 JOD

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

Local stack

The Jordan stack, connected before kickoff.

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

  • Credit bureaus & registries1 connector
    • CCRIF Jordan
  • Identity & KYC2 connectors
    • SSanad
    • UUqudo
  • Bank & alternative data2 connectors
    • BBank statements
    • JJoMoPay data
  • Disbursement rails3 connectors
    • CCliQ
    • JJoMoPay
    • eeFAWATEERcom
  • Repayments & collections2 connectors
    • eeFAWATEERcom
    • CCliQ
  • Messaging3 connectors
    • WWhatsApp Business
    • UUnifonic
    • IInfobip
  • E-signature2 connectors
    • SSanad
    • DDocuSign

Checks and payments

Who borrows and how money moves in Jordan

Applicants are checked with CRIF Jordan, and money moves via CliQ and JoMoPay.

Client checks

Checks connected in Jordan:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationSanad, UqudoPass
  • Credit bureausCRIF JordanPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBank statements, JoMoPay dataReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Jordan:

DisbursementCliQ, JoMoPay, eFAWATEERcom in JOD
RepaymenteFAWATEERcom, CliQ
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • CliQ
  • JoMoPay
  • eFAWATEERcom

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 JOD 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

2,000 JOD

On track
Auto-calculated · 200+ parametersManual edit
Repaid 710 JOD of 2,140 JOD2 of 6 payments
DateAmountStatus
Sep 4360 JODPaid
Oct 4360 JODPaid
Nov 4360 JODDue in 7 days
Dec 4360 JODUpcoming
Jan 4360 JODUpcoming
Reminder sentYour payment of 360 JOD is due Nov 4

Loan flow

How a loan runs in Jordan. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Arabic and English.
  2. 02VerifyIdentity and documents are checked through Sanad and Uqudo.
  3. 03DecideScorecards pull CRIF Jordan data and return a decision in seconds.
  4. 04DisburseFunds go out via CliQ or JoMoPay in JOD, straight after signing.
  5. 05CollectRepayments arrive via eFAWATEERcom and CliQ, 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

2,000 JOD

Next payment

360 JOD · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

RaniaVerifierApproved
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 Jordan launch on .

MicrofinanceLoans for home businesses and micro-entrepreneurs.
Islamic financingMurabaha products for consumers and SMEs.
Consumer instalment loansPersonal loans.

Compliance

Configured for CBJ and the Personal Data Protection Law.

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

Hosting & data residency

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

Consent & privacy

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

Pricing & disclosures

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

Audit trail

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

More markets in Levant

All Middle East 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 Jordan?+

Yes. The platform is set up for JOD, Arabic and English and CBJ requirements, with 12 local connectors ready on day one.

Which credit data sources are connected in Jordan?+

CRIF Jordan. On top of that, identity checks run through Sanad and Uqudo and bank data comes from Bank statements and JoMoPay data.

How do borrowers get paid and repay?+

Payouts go out via CliQ, JoMoPay and eFAWATEERcom in JOD. Repayments arrive via eFAWATEERcom and CliQ, with reminders over WhatsApp Business and Unifonic.

How long does a launch in Jordan take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 12 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 Jordan? 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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