Lending software for Papua New Guinea

A market where payroll-deduction lending and microfinance serve a mostly unbanked population. lendhero arrives with CRIB (Credit & Data Bureau), SevisPass and Kina Bank transfers already connected, so your team configures products instead of plumbing.

See the local stack
  • PGK (K)
  • English, Tok Pisin
  • 12 local connectors
  • 1–2 weeks to launch

Hi, Grace

ApprovedK3,000

753

Credit score

On-time payments

Monthly paymentK295

Market profile

Papua New Guinea at a glance

What lendhero is set up for in Papua New Guinea before your team logs in.

Currency

PGK (K)

Languages

English, Tok Pisin

Supervisor

Bank of Papua New Guinea

Credit data

CRIB (Credit & Data Bureau)

Payout rails

Kina Bank transfers, Mobile money

Data protection

national data rules

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

Working with borrowers in Papua New Guinea

Tools for every borrower conversation

Borrowers in Papua New Guinea apply, sign, pay and come back for repeat loans in English and PGK.

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 Infobip automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowInfobip
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

Grace · Consumer loan, 6 months · K3,000

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

Local stack

The Papua New Guinea stack, connected before kickoff.

CRIB (Credit & Data Bureau), SevisPass, Kina Bank transfers and WhatsApp Business are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries1 connector
    • CCRIB (Credit & Data Bureau)
  • Identity & KYC2 connectors
    • SSevisPass
    • LLender data
  • Bank & alternative data1 connector
    • BBank statements
  • Disbursement rails2 connectors
    • KKina Bank transfers
    • MMobile money
  • Repayments & collections2 connectors
    • PPayroll deduction
    • MMobile money
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Papua New Guinea

Applicants are checked with CRIB (Credit & Data Bureau), and money moves via Kina Bank transfers and Mobile money.

Client checks

Checks connected in Papua New Guinea:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationSevisPass, Lender dataPass
  • Credit bureausCRIB (Credit & Data Bureau)Pass
  • 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 Papua New Guinea:

DisbursementKina Bank transfers, Mobile money in PGK
RepaymentPayroll deduction, Mobile money
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Kina Bank transfers
  • Mobile money
  • 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 PGK 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

K3,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid K1,070 of K3,2102 of 6 payments
DateAmountStatus
Sep 4K540Paid
Oct 4K540Paid
Nov 4K540Due in 7 days
Dec 4K540Upcoming
Jan 4K540Upcoming
Reminder sentYour payment of K540 is due Nov 4

Loan flow

How a loan runs in Papua New Guinea. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via SMS, with forms in English and Tok Pisin.
  2. 02VerifyIdentity and documents are checked through SevisPass and Lender data.
  3. 03DecideScorecards pull CRIB (Credit & Data Bureau) data and return a decision in seconds.
  4. 04DisburseFunds go out via Kina Bank transfers or Mobile money in PGK, straight after signing.
  5. 05CollectRepayments arrive via Payroll deduction and Mobile money, 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

K3,000

Next payment

K540 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

GraceVerifierApproved
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 Papua New Guinea launch on .

Consumer instalment loansPayroll-deduction loans for employees.
MicrofinanceLoans for women vendors and farmers.
Business lendingLoans for small enterprises.

Compliance

Configured for BPNG and national data rules.

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

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 BPNG 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 Papua New Guinea?+

Yes. The platform is set up for PGK, English and Tok Pisin and BPNG requirements, with 12 local connectors ready on day one.

Which credit data sources are connected in Papua New Guinea?+

CRIB (Credit & Data Bureau). On top of that, identity checks run through SevisPass and Lender data and bank data comes from Bank statements.

How do borrowers get paid and repay?+

Payouts go out via Kina Bank transfers and Mobile money in PGK. Repayments arrive via Payroll deduction and Mobile money, with reminders over WhatsApp Business and Infobip.

How long does a launch in Papua New Guinea 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 Papua New Guinea? 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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