The move allows millions of borrowers to demonstrate their creditworthiness across the lending ecosystem.
Home Credit’s participation brings one of the country’s largest consumer finance portfolios into LenderLink’s shared infrastructure.
The partnership between Home Credit and LenderLink allows the lender to access consent-based, real-time borrower data from across multiple institutions.
Real-Time Access Changes Loan Approvals
As a LenderLink network member, Home Credit gains instant access to borrower credit information to update its lending decisions.
The company can view applicants’ updated loan histories across multiple lenders, helping it approve qualified borrowers and detect possible fraud earlier.
Access to positive payment records from other institutions allows Home Credit to extend credit to applicants previously turned down due to insufficient information.
Furthermore, real-time visibility into a borrower’s existing obligations helps prevent over-borrowing and protects customers from financial strain.
Verified payment behaviour gives Home Credit the confidence to reach customers previously considered too risky.
Broader Impact on Filipino Borrowers
Home Credit’s integration helps borrowers unlock better credit access and more competitive loan terms.
This addresses a longstanding barrier where otherwise creditworthy borrowers are rejected simply because their history is not visible across institutions.
Zdenek Jankovsky
“Joining LenderLink strengthens how we make credit decisions by grounding them in timely, consent-based information across the lending ecosystem,” said Zdenek Jankovsky, Chief Business Development Officer, Home Credit.
“It enables us to extend credit to more deserving customers while reinforcing responsible borrowing practices,” Jankovsky added.
With Home Credit joining LenderLink’s 20-member network, the combined data pool strengthens risk assessment for all participating lenders while making responsible borrower behaviour easier to verify.
Building Interconnected Financial Infrastructure
Christo Georgiev
“Home Credit’s integration represents a milestone in creating shared credit infrastructure in the Philippines,” said Christo Georgiev, Founder and CEO, LenderLink.
“When a lender of this scale participates in secure, consent-based data sharing, it elevates the entire ecosystem’s ability to assess risk accurately and serve more Filipinos responsibly,” Georgiev said.
The partnership underscores LenderLink’s position as a central infrastructure provider connecting lenders, collection agencies, and credit bureaus.
The network now holds over 45 million borrower records and has processed over 1.5 million record exchanges to date.
All data sharing follows ISO 27001-certified security protocols and Open Finance consent principles.
Featured image: Edited by Fintech News Philippines based on an image by mkmult via Freepik.
