Best Alternative Lending Companies in Vietnam
The 31 best Alternative Lending companies in Vietnam in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: MoMo.
- Switzerland Alternative Lending Market Databook 2025-2029
Ranked: Best Alternative Lending companies in Vietnam
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Tech stack | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Easygop Operator of a technology finance company intended to experience prepaid and postpaid services with various… | — | — | 12 | 2020 | — | — | — |
| 2 | encapital financial technology EnCapital Financial Technology envisions a friction-less online financial service to ASEAN consumers. | — | — | 17 | 2018 | — | — | — |
| 3 | GIMO Online platform for employee on-demand pay | — | — | — | 2019 | Nguyen Ngoc Co-Founder | — | — |
| 4 | Home Credit Vietnam Online lending platform offering consumer financing | — | — | — | 2009 | Annica Witschard Chief Executive Officer | Apple iCloud MailMicrosoft 365Radix UI+19 | — |
| 5 | KMS Solutions A technology consulting service provider that helps financial services and banking companies to optimize… | — | — | — | 2019 | — | WordPressMySQLPHP+31 | — |
| 6 | LaiSuat Financial products aggregator | — | — | — | 2010 | Vuong Quang Huynh Founder | — | — |
| 7 | Lendbiz Online marketplace for working capital loans | — | — | — | 2018 | Nguyen Viet Hung Chairman & CEO | — | — |
| 8 | Mcredit Online marketplace for consumer loans | — | — | 106 | 2016 | Le Ninh CEO | Facebook LoginBootstrapVue.js+14 | — |
Top 12 Alternative Lending companies in Vietnam
#1
Series A · Hanoi, Red River Delta · founded 2019 · 45 employees$19Mraised▾
Provider of an online platform for the employee on-demand pay solutions. Its online lending platform enables employees to claim and receive salary advances based on the number of working days. It also features an app-based salary payment platform that allows businesses to pay salaries to employees. It is available to download from google play ad the apple store.
- Jul 2023Series A$12M
- Jan 2023Series A$5.1M
- Nov 2021Seed$1.9M
- Mar 2021Seed—
#2
MoMo 🦄Series E · Ho Chi Minh City, Southeast · founded 2007 · 1564 employees$433.8Mraised▾
Provider of a platform for financial services, payments, and money transfers. The platform offers bill payments, mobile data purchases, movie tickets, and travel bookings. It also provides access to loans, investment funds, and charitable giving options. The platform facilitates money transfers and in-store payment capabilities.
- Dec 2021Series E$200M
- Jan 2021Series D$100M
- Jan 2019Series C$100M
- Mar 2016Series B$28M
#3
Seed · Hanoi, Red River Delta · founded 2020 · 20 employees$9.5Mraised▾
Online platform for employee financial benefits. It enables employees to access the part of their earned wages to cover personal expenses. The amount is transferred to the employee's bank account and automatically deducted from the payroll. It can be integrated with the existing payroll system in order to generate automated salary receipt for the employees.
- Aug 2022Seed$6.4M
- 2021Seed$125K
- May 2021Seed$3M
#4
Series A · Ho Chi Minh City, Southeast · founded 2018 · 19 employees$6.8Mraised▾
Online app-based marketplace offering point-of-sale financing loans to consumers. It allows its users to purchase products from its partnered online merchant stores through buy now pay later loans and allows them to repay through installments via credit/debit cards or bank transfers. Its app is available on iOS and Android devices.
- Oct 2022Series A$5M
- Sep 2021Seed$1.8M
- Mar 2021Seed—
#5
Funding Raised · Hanoi, Red River Delta · founded 2010 · 13000 employees$100Mraised▾
FE Credit is a personal loans company which provides various types of personal loans like cash loans, vehicle loans, credit card loans etc. The company provided these loans offline traditionally but now slowly pivoting to an online model.
- Apr 2021Conventional Debt—
- Dec 2016Conventional Debt$100M
#6
Series A · Ho Chi Minh City, Southeast · founded 2019 · 88 employees$30Mraised▾
Provider of financial products facilitating property ownership and investment. It offers financial assistance to homebuyers, enabling them to purchase properties with minimal upfront capital. The company also provides opportunities for investors to generate passive income by supporting homebuyers' access to financing. Services are designed to be accessible, requiring less stringent documentation compared to traditional lending methods. These services are available to both domestic and foreign citizens.
- Nov 2021Conventional Debt—
- Nov 2021Series A$30M
- Dec 2020Seed—
#7
Seed · Ho Chi Minh City, Southeast · founded 2021 · 19 employees$1Mraised▾
Provider of support services for educational programmes to students
- Nov 2022Seed$1M
#8
Series B · Hanoi, Red River Delta · founded 2015 · 300 employees$3Mraised▾
Tima is an online P2P lending marketplace. Users can apply for unsecured personal loans, student loans, and asset-backed loans. The loan term lies between 61-365 days. The app is available for iOS and Android platforms.
- Oct 2018Series B$3M
- Dec 2016Series A—
#9
Deadpooled · Ho Chi Minh City, Southeast · founded 2018$500Kraised▾
Interloan provides an online lending marketplace for payroll loans. The loan term is up to 12 months. The investors can earn up to 19% interest. The employees can invest their money and also avail loans.
- Dec 2019Seed$500K
- 2019Grant (prize money)$55K
#10
Series A · Ho Chi Minh City, Southeast · founded 2013 · 16 employees—raised▾
Kim provides credit scoring and loan management platform for businesses. It offers a fintech platform that features core banking solutions that provide booking for repayment and manage business cash flow; app-based operations for credit scoring and loan management services to provide data for credit decisions; and an API platform to integrate with e-commerce, e-wallet, and SAAS businesses.
- Sep 2020Series A—
#11
Series A · Hanoi, Red River Delta · founded 2013 · 15 employees—raised▾
TheBank is a financial product comparison platform. Users can search and compare unsecured loans, auto loans, home loans, mortgage loans, and business loans. They can also compare insurance products, credit cards and savings products.
- Jan 2019Series A—
#12
Seed · Ho Chi Minh City, Southeast · 6 employees—raised▾
eLoan is an online P2B lending platform. Offers business loans up to VND10 billion for a period of 1 - 36 months, both secured and unsecured, with collateral in the form of real estate, vehicle, or equipment. Interest rate is set according to the level of risk established during the credit-scoring process with interest ranging from 12%-20% p.a. Investors can invest with a minimum investment of VND1 million for a maximum period of 24 months.
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Alternative Lending coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.