Consumer lending software, built for speed.
Originate personal loans, salary advances, and short-term consumer credit with end-to-end automation — from first application to final repayment.
- 5-minute borrower onboarding with built-in KYC + BVN
- AI credit analysis on every application
- Automated repayment reminders across SMS, email, and in-app
- Branded storefront under your own URL
What lenders in this space tell us.
Manual review is slow
Loan officers spend hours reviewing each application — most of it data entry and back-and-forth with the borrower.
Default rates are climbing
Without structured KYC and risk scoring, repayment quality drops as you scale. NPLs eat the margins.
Borrower experience is fragmented
Borrowers fill PDFs, send WhatsApp messages, and wait days for decisions. Many drop off.
Everything you need to run this product line.
Built-in KYC + BVN verification
Identity, BVN lookup, and facial verification baked into the borrower flow. Your compliance team relaxes.
AI credit scoring
Every application scored against employment, bank statement, and behavioral signals before reaching a human.
Flexible loan products
Configure amount ranges, tenors, interest rates, fees, and eligibility — unlimited product lines.
Automated repayment reminders
Multi-channel reminders run on schedule. Borrowers stay engaged without anyone manually chasing them.
Document collection workflows
Configurable document requests — payslips, bank statements, IDs — collected before a human reviews.
Branded borrower storefront
Your own URL (yourname.loanhq.app), your colors, your loan product cards. Borrowers see your brand only.
Ready to run consumer lending at scale?
Sign up free, configure your loan products, and start accepting applications today.