Our Loan Products
Discover our range of financial solutions designed to meet your unique needs, with competitive rates and flexible terms.
Business loan
To support small and medium-sized businesses in Laos with accessible financing to grow operations, purchase inventory, or invest in infrastructure
Key Features
- Loan amounts from 60.000.000 KIP 600.000.000 KIP
- Interest rates 3.5% flat rate
- Flexible repayment terms form 6 to 18 months
- Loan fee: 5%
- Repayment Mode on Monthly installment
- Disbursement Channel is Direct to BCEL or LDB accounts
Benefits
Fast Approval in 24 hours – Within 3 working days upon full document submissioNo hidden fees – Transparent terms with clear loan statementsFlexible Collateral Options – For small loans, personal guarantor is sufficientTrusted Partner – AnyPay offers free business and financial planning tips via SMS and Facebook groupsBiseness Support – Disbursements via secure banks (BCEL/LDB)Loyalty Rewards – Early repayment discount of 1% interest or eligibility for top-up loan after 6 months
Smart Loan
To provide fast and convenient online loans for salaried individuals and small earners in Laos with flexible repayment and easy requirements
Key Features
- Loan amounts from 10.000.000kip to 30.000.000kip
- Loan term form 6 to 18 months
- interest Rate 3.5% per month (flat)
- Loan Fee 5% of loan amount (deducted upfront)
- Disbursement Method Transfer to BCEL, LDB, or approved bank account
- Repayment Mode Monthly auto-debit / QR code payment
- Early Repayment Allowed without penalty
Benefits
🕒 Fast Approval in 24 hours💵 Disbursed directly to your bank account💳 Flexible repayment via mobile banking or QR🎉 Get bonus for referring a friend⭐ Top-up loan after 6 successful payments📈 Credit building – improve your credit score for future big loans
Motorbike Loan
Ride Your Dream Motorbike Today – Fast & Hassle-Free with AnyPay! Looking for a brand-new HONDA, SUZUKI, or YAMAHA? With AnyPay Microfinance, getting your dream bike is now easier, faster, and more affordable than ever!
Key Features
- Loan Amount 5.000.000kip to 30.000.000kip
- Loan Term 6 to 18 months
- interest Rate 3.8% per month (flat)
- Loan fee: 5%
- Looking for a brand-new HONDA, SUZUKI, or YAMAHA
- Repayment Monthly via bank deduction / QR Pay / mobile apps
Benefits
🎯 Special rates 📱 Easy digital application via app or web⏱️ Fast approval within 2 working days💰 Top-up loan options after 6 months🔄 Credit history building for future products
Staff Loan
Provide short to medium-term loans to salaried employees to support their personal needs such as healthcare, education, emergencies, or family needs.
Key Features
- Loan Amount Up to 8 times monthly salary, maximum LAK 50 million
- Loan Term From 6 to 18 months
- Interest Rate 3.5% per month on reducing balance (flat rate option optional)
- Loan Fee 5% of loan amount (deducted upfront)
- Disbursement Only to BCEL or LDB accounts
- Repayment Monthly, via bank transfer or direct debit
Benefits
🕒 Fast Approval in 24 hours
Online loans
Online loans to facilitate target customers' access to funding 24 hours a day, regardless of public holidays or any other day.
Key Features
- Loan amount from 2,000,000 Kip to 15,000,000 Kip.
- Interest rate between 2.4 - 3.4% per month.
- Loan fee between 7-14%.
- Flexible repayment options, customers can choose to pay daily (principal and interest).
- Loan term options start from 5 days up to 3 months (90 days).
- The longer the loan term, the lower the interest rate.
- Customers with good credit will pay lower fees.
Benefits
An online loan service that can provide immediate solutions.Customers can conveniently access loan services 24 hours a day, including on public holidays.Customers can choose to repay both principal and interest daily, regardless of the loan agreement's term.
