Lending software for Qatar

A high-income market where the central bank is opening digital lending to licensed fintechs. lendhero arrives with Qatar Credit Bureau, Tawtheeq and QPS instant already connected, so your team configures products instead of plumbing.

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

Marhaba, Maryam

Approved20,000 QAR

742

Credit score

On-time payments

Monthly payment983 QAR

Market profile

Qatar at a glance

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

Currency

QAR (QAR)

Languages

Arabic, English

Supervisor

Qatar Central Bank

Credit data

Qatar Credit Bureau

Payout rails

QPS instant, Fawran, Card

Data protection

Law 13 of 2016

14
local connectors wired in before kickoff
QAR
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Arabic, English

Working with borrowers in Qatar

Tools for every borrower conversation

Borrowers in Qatar apply, sign, pay and come back for repeat loans in Arabic and QAR.

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

Maryam · Consumer loan, 6 months · 20,000 QAR

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

Local stack

The Qatar stack, connected before kickoff.

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

  • Credit bureaus & registries1 connector
    • QQatar Credit Bureau
  • Identity & KYC3 connectors
    • TTawtheeq
    • QQID
    • UUqudo
  • Bank & alternative data2 connectors
    • BBank statements
    • OOpen banking (QCB)
  • Disbursement rails3 connectors
    • QQPS instant
    • FFawran
    • CCard
  • Repayments & collections2 connectors
    • DDirect debit
    • CCard
  • Messaging3 connectors
    • WWhatsApp Business
    • UUnifonic
    • IInfobip
  • E-signature2 connectors
    • TTawtheeq
    • DDocuSign

Checks and payments

Who borrows and how money moves in Qatar

Applicants are checked with Qatar Credit Bureau, and money moves via QPS instant and Fawran.

Client checks

Checks connected in Qatar:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationTawtheeq, QID, UqudoPass
  • Credit bureausQatar Credit BureauPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBank statements, Open banking (QCB)Review
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Qatar:

DisbursementQPS instant, Fawran, Card in QAR
RepaymentDirect debit, Card
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • QPS instant
  • Fawran
  • Card
  • Direct 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 QAR 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

20,000 QAR

On track
Auto-calculated · 200+ parametersManual edit
Repaid 7,130 QAR of 21,400 QAR2 of 6 payments
DateAmountStatus
Sep 43,570 QARPaid
Oct 43,570 QARPaid
Nov 43,570 QARDue in 7 days
Dec 43,570 QARUpcoming
Jan 43,570 QARUpcoming
Reminder sentYour payment of 3,570 QAR is due Nov 4

Loan flow

How a loan runs in Qatar. 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 Tawtheeq and QID.
  3. 03DecideScorecards pull Qatar Credit Bureau data and return a decision in seconds.
  4. 04DisburseFunds go out via QPS instant or Fawran in QAR, straight after signing.
  5. 05CollectRepayments arrive via Direct debit and Card, 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

20,000 QAR

Next payment

3,570 QAR · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

MaryamVerifierApproved
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 Qatar launch on .

Islamic financingSharia-compliant personal finance.
Consumer instalment loansPersonal loans for salaried residents.
Business lendingSME finance.

Compliance

Configured for QCB and Law 13 of 2016.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where Law 13 of 2016 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under Law 13 of 2016.

Pricing & disclosures

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

Audit trail

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

More markets in Gulf

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 Qatar?+

Yes. The platform is set up for QAR, Arabic and English and QCB requirements, with 14 local connectors ready on day one.

Which credit data sources are connected in Qatar?+

Qatar Credit Bureau. On top of that, identity checks run through Tawtheeq, QID and Uqudo and bank data comes from Bank statements and Open banking (QCB).

How do borrowers get paid and repay?+

Payouts go out via QPS instant, Fawran and Card in QAR. Repayments arrive via Direct debit and Card, with reminders over WhatsApp Business and Unifonic.

How long does a launch in Qatar take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 14 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 Qatar? 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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