Lending software for Fiji

A regional hub where mobile wallets and payroll lending serve households and small businesses. lendhero arrives with Data Bureau Fiji, Digital ID and M-PAiSA already connected, so your team configures products instead of plumbing.

See the local stack
  • FJD (FJ$)
  • English, Fijian
  • 13 local connectors
  • 1–2 weeks to launch

Bula, Ana

ApprovedFJ$3,000

812

Credit score

On-time payments

Monthly paymentFJ$197

Market profile

Fiji at a glance

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

Currency

FJD (FJ$)

Languages

English, Fijian

Supervisor

Reserve Bank of Fiji

Credit data

Data Bureau Fiji

Payout rails

M-PAiSA, MyCash, Bank transfer

Data protection

national data rules

13
local connectors wired in before kickoff
FJD
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: English, Fijian

Working with borrowers in Fiji

Tools for every borrower conversation

Borrowers in Fiji apply, sign, pay and come back for repeat loans in English and FJD.

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 Viber Business and WhatsApp Business automatically.

Your application is approvedViber Business
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

Ana · Consumer loan, 6 months · FJ$3,000

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

Local stack

The Fiji stack, connected before kickoff.

lendhero ships with the connectors lenders in Fiji use every day, from Data Bureau Fiji to M-PAiSA. New ones are added through the open API.

  • Credit bureaus & registries1 connector
    • DData Bureau Fiji
  • Identity & KYC2 connectors
    • DDigital ID
    • LLender data
  • Bank & alternative data1 connector
    • BBank statements
  • Disbursement rails3 connectors
    • MM-PAiSA
    • MMyCash
    • BBank transfer
  • Repayments & collections2 connectors
    • MM-PAiSA
    • PPayroll deduction
  • Messaging3 connectors
    • VViber Business
    • WWhatsApp Business
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Fiji

Applicants are checked with Data Bureau Fiji, and money moves via M-PAiSA and MyCash.

Client checks

Checks connected in Fiji:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationDigital ID, Lender dataPass
  • Credit bureausData Bureau FijiPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBank statementsReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Fiji:

DisbursementM-PAiSA, MyCash, Bank transfer in FJD
RepaymentM-PAiSA, Payroll deduction
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • M-PAiSA
  • MyCash
  • Bank transfer
  • Payroll deduction

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 FJD 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

FJ$3,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid FJ$1,070 of FJ$3,2102 of 6 payments
DateAmountStatus
Sep 4FJ$540Paid
Oct 4FJ$540Paid
Nov 4FJ$540Due in 7 days
Dec 4FJ$540Upcoming
Jan 4FJ$540Upcoming
Reminder sentYour payment of FJ$540 is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via Viber, with forms in English and Fijian.
  2. 02VerifyIdentity and documents are checked through Digital ID and Lender data.
  3. 03DecideScorecards pull Data Bureau Fiji data and return a decision in seconds.
  4. 04DisburseFunds go out via M-PAiSA or MyCash in FJD, straight after signing.
  5. 05CollectRepayments arrive via M-PAiSA and Payroll deduction, with reminders over Viber Business.

Portals

One platform, three portals

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

My loan

FJ$3,000

Next payment

FJ$540 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

AnaVerifierApproved
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 Fiji launch on .

Consumer instalment loansPayroll loans.
MicrofinanceLoans for market vendors.
Business lendingLoans for tourism SMEs.

Compliance

Configured for RBF and national data rules.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where national data rules requires.

Consent & privacy

Borrower consents are captured, versioned and logged under national data rules.

Pricing & disclosures

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

Audit trail

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

More markets in Pacific Islands

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 Fiji?+

Yes. The platform is set up for FJD, English and Fijian and RBF requirements, with 13 local connectors ready on day one.

Which credit data sources are connected in Fiji?+

Data Bureau Fiji. On top of that, identity checks run through Digital ID and Lender data and bank data comes from Bank statements.

How do borrowers get paid and repay?+

Payouts go out via M-PAiSA, MyCash and Bank transfer in FJD. Repayments arrive via M-PAiSA and Payroll deduction, with reminders over Viber Business and WhatsApp Business.

How long does a launch in Fiji take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 13 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 Fiji? 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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