Lending software for the United Arab Emirates

A diverse market of nationals and expatriates, with UAE PASS identity, AECB scores and instant Aani payments. lendhero arrives with Al Etihad Credit Bureau, UAE PASS and UAEFTS already connected, so your team configures products instead of plumbing.

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

Marhaba, Fatima

Approved20,000 AED

762

Credit score

On-time payments

Monthly payment983 AED

Market profile

United Arab Emirates at a glance

What lendhero is set up for in United Arab Emirates before your team logs in.

Currency

AED (AED)

Languages

Arabic, English

Supervisor

Central Bank of the UAE

Credit data

Al Etihad Credit Bureau

Payout rails

UAEFTS, Aani, Card

Data protection

the PDPL

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

Working with borrowers in United Arab Emirates

Tools for every borrower conversation

Borrowers in United Arab Emirates apply, sign, pay and come back for repeat loans in Arabic and AED.

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

Fatima · Consumer loan, 6 months · 20,000 AED

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

Local stack

The United Arab Emirates stack, connected before kickoff.

Al Etihad Credit Bureau, UAE PASS, UAEFTS and WhatsApp Business are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries1 connector
    • AAl Etihad Credit Bureau
  • Identity & KYC3 connectors
    • UUAE PASS
    • EEmirates ID
    • UUqudo
  • Bank & alternative data2 connectors
    • LLean Technologies
    • TTarabut
  • Disbursement rails3 connectors
    • UUAEFTS
    • AAani
    • CCard
  • Repayments & collections2 connectors
    • DDirect debit (UAEDDS)
    • CCard
  • Messaging3 connectors
    • WWhatsApp Business
    • UUnifonic
    • IInfobip
  • E-signature2 connectors
    • UUAE PASS
    • DDocuSign

Checks and payments

Who borrows and how money moves in United Arab Emirates

Applicants are checked with Al Etihad Credit Bureau, and money moves via UAEFTS and Aani.

Client checks

Checks connected in United Arab Emirates:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationUAE PASS, Emirates ID, UqudoPass
  • Credit bureausAl Etihad Credit BureauPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataLean Technologies, TarabutReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in United Arab Emirates:

DisbursementUAEFTS, Aani, Card in AED
RepaymentDirect debit (UAEDDS), Card
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • UAEFTS
  • Aani
  • Card
  • Direct debit (UAEDDS)

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 AED 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 AED

On track
Auto-calculated · 200+ parametersManual edit
Repaid 7,130 AED of 21,400 AED2 of 6 payments
DateAmountStatus
Sep 43,570 AEDPaid
Oct 43,570 AEDPaid
Nov 43,570 AEDDue in 7 days
Dec 43,570 AEDUpcoming
Jan 43,570 AEDUpcoming
Reminder sentYour payment of 3,570 AED is due Nov 4

Loan flow

How a loan runs in the United Arab Emirates. 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 UAE PASS and Emirates ID.
  3. 03DecideScorecards pull Al Etihad Credit Bureau data and return a decision in seconds.
  4. 04DisburseFunds go out via UAEFTS or Aani in AED, straight after signing.
  5. 05CollectRepayments arrive via Direct debit (UAEDDS) 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 AED

Next payment

3,570 AED · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

FatimaVerifierApproved
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 the United Arab Emirates launch on .

Consumer instalment loansPersonal loans for salaried residents with AECB checks.
BNPL & POSInstalments for retail and e-commerce.
Business lendingWorking capital and invoice finance for SMEs.

Compliance

Configured for CBUAE and the PDPL.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where the PDPL requires.

Consent & privacy

Borrower consents are captured, versioned and logged under the PDPL.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for CBUAE 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 the United Arab Emirates?+

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

Which credit data sources are connected in the United Arab Emirates?+

Al Etihad Credit Bureau. On top of that, identity checks run through UAE PASS, Emirates ID and Uqudo and bank data comes from Lean Technologies and Tarabut.

How do borrowers get paid and repay?+

Payouts go out via UAEFTS, Aani and Card in AED. Repayments arrive via Direct debit (UAEDDS) and Card, with reminders over WhatsApp Business and Unifonic.

How long does a launch in the United Arab Emirates 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 United Arab Emirates? 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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