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Smart Loan
To provide fast and convenient online loans for salaried individuals and small earners in Laos with flexible repayment and easy requirements
Overview
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
Eligibility Criteria
- Employment/Income Verification
- Age
- Documentation
- Guarantor
Required Documents
- Must be employed at least 5 months at a company
- Have regular permanent income (small business, rental, etc.)
- Submit payroll slip or bank statement to verify income
- National ID or family book
- Lao citizen aged 18 and above
- Bank statement (from BCEL, LDB, or other Lao banks) covering the last 3 months
- Business certificate (if self-employed – optional for small loans)
- Must have 1 co-borrower or guarantor (family/friend)
- Guarantor must provide ID and verifiable phone number