Lending software for Australia

A mature market where responsible-lending rules, the Consumer Data Right and PayTo shape every loan. lendhero arrives with Equifax, GreenID and NPP already connected, so your team configures products instead of plumbing.

See the local stack
  • AUD (A$)
  • English
  • 16 local connectors
  • 1–2 weeks to launch

Hi, Olivia

ApprovedA$5,000

810

Credit score

On-time payments

Monthly paymentA$246

Market profile

Australia at a glance

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

Currency

AUD (A$)

Languages

English

Supervisor

ASIC

Credit data

Equifax, Experian, illion

Payout rails

NPP, PayTo, Osko

Data protection

the Privacy Act 1988

16
local connectors wired in before kickoff
AUD
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
1
interface languages: English

Working with borrowers in Australia

Tools for every borrower conversation

Borrowers in Australia apply, sign, pay and come back for repeat loans in English and AUD.

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 MessageMedia and WhatsApp Business automatically.

Your application is approvedMessageMedia
Your payment is due tomorrowWhatsApp Business
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

Olivia · Consumer loan, 6 months · A$5,000

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

Local stack

The Australia stack, connected before kickoff.

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

  • Credit bureaus & registries3 connectors
    • EEquifax
    • EExperian
  • Identity & KYC2 connectors
    • GGreenID
    • AAustralia Post Digital iD
  • Bank & alternative data2 connectors
    • CConsumer Data Right
    • BBasiq
  • Disbursement rails3 connectors
    • NNPP
    • PPayTo
    • OOsko
  • Repayments & collections2 connectors
    • DDirect debit
    • PPayTo
  • Messaging3 connectors
    • MMessageMedia
    • WWhatsApp Business
  • E-signature2 connectors
    • DDocuSign
    • DDropbox Sign

Checks and payments

Who borrows and how money moves in Australia

Applicants are checked with Equifax and Experian, and money moves via NPP and PayTo.

Client checks

Checks connected in Australia:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationGreenID, Australia Post Digital iDPass
  • Credit bureausEquifax, Experian, illionPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataConsumer Data Right, BasiqReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Australia:

DisbursementNPP, PayTo, Osko in AUD
RepaymentDirect debit, PayTo
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • NPP
  • PayTo
  • Osko
  • 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 AUD 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

A$5,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid A$1,780 of A$5,3502 of 6 payments
DateAmountStatus
Sep 4A$890Paid
Oct 4A$890Paid
Nov 4A$890Due in 7 days
Dec 4A$890Upcoming
Jan 4A$890Upcoming
Reminder sentYour payment of A$890 is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via SMS, with forms in English.
  2. 02VerifyIdentity and documents are checked through GreenID and Australia Post Digital iD.
  3. 03DecideScorecards pull Equifax and Experian data and return a decision in seconds.
  4. 04DisburseFunds go out via NPP or PayTo in AUD, straight after signing.
  5. 05CollectRepayments arrive via Direct debit and PayTo, with reminders over Twilio.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

A$5,000

Next payment

A$890 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

OliviaVerifierApproved
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 Australia launch on .

Consumer instalment loansPersonal loans with responsible-lending checks.
BNPL & POSBuy now, pay later under the new credit rules.
Auto financingCar loans for brokers and dealers.

Compliance

Configured for ASIC and NCCP and the Privacy Act 1988.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where the Privacy Act 1988 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under the Privacy Act 1988.

Pricing & disclosures

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

Audit trail

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

More markets in Australia & New Zealand

All Oceania 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 Australia?+

Yes. The platform is set up for AUD, English and ASIC and NCCP requirements, with 16 local connectors ready on day one.

Which credit data sources are connected in Australia?+

Equifax, Experian, illion. On top of that, identity checks run through GreenID and Australia Post Digital iD and bank data comes from Consumer Data Right and Basiq.

How do borrowers get paid and repay?+

Payouts go out via NPP, PayTo and Osko in AUD. Repayments arrive via Direct debit and PayTo, with reminders over MessageMedia and WhatsApp Business.

How long does a launch in Australia take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 16 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 Australia? 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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