A lending
portfolio from
the customers
you already have.
Foneloan is the credit infrastructure behind digital lending inside your mobile banking app, from the first offer to the first offer to the final repayment, working on top of the systems you already run.
You already have customers you can lend to with confidence.
Small loans have always taken too much effort to originate, for the bank and for the borrower. So the offer never reaches them.
For lenders, We make it possible to identify your best borrowers without the paperwork, and turn the pool into a revenue-generating lending portfolio, right within your mobile banking app.
01
App native experience
Eligible customers borrow within your mobile banking app, with no separate app and no separate login.
02
You're in control
Every credit decision is automated and follows the limits you set. Every loan is monitored after it's disbursed.
03
Launch without the heavy lifting
Foneloan works as a ready to use infrastructure, so you launch faster, with less complexity and lower cost.
Trusted By
How it works
Credit Nova
Credit Intelligence
Assesses borrowers' creditworthiness and loan eligibility, and tracks how their repayment behaviour changes over time.
- Automated income recognition, even without pay-slips
- Repayment habit tracking
- Payment reliability scoring
- Eligibility that adjusts as conditions change
Decision Intelligence
Sets eligibility, limit and terms for each customer, within the parameters you configure.
- Bank-configurable parameters
- NRB compliant
- Blacklist monitoring
- Transparent decisioning
Loan Management System
Books, schedules and collects every loan automatically, and keeps your team in control of the portfolio.
- Automated disbursal and repayment
- Manages failed or partial payments
- Overdue tracking and recovery
- Real-time reconciliation with your ledger
- Web portal for portfolio monitoring
User Interface
A complete borrowing experience built into your mobile banking app, in your look and feel.
- App-native journey
- Loan just a few taps
- Embedded into checkouts they already use
A complete digital
lending infrastructure
Foneloan takes on the heavy lifting of setup and compliance, so you launch faster, with less complexity and lower cost.
Credit decisions, loan management and the customer interface
OTP authentication
Digital loan agreements
A web portal for your team
Alignment with NRB requirements
Two ways your customers borrow
Payday loans
Customers with a regular income get an instant, pre-approved loan inside your mobile banking app: up to NPR 5 lakh for salaried customers, up to NPR 2 lakh for regular income. No collateral, no paperwork, no branch visit.
Pay later infrastucture
An approved limit works at online and in-store checkouts. BNPL surfaces credit when, and where most relevant for your customers.
Proven at scale over six years
600,000+
loans distributed
NPR 20Bn+
in loan value disbursed
+2.38%
non-performing loan rate
(vs +5.89% Banking sector average NPL)
Turn your CASA insights into a revenue-generating product
Drop our business team a message and we'll work with you on bringing Foneloan to your mobile banking platform.