SHBFinance, since entering the market, has positioned itself not just as a lender, but as a financial partner. Its products are designed with flexibility and a customer-centric approach, catering to various needs such as living expenses, education, healthcare, and essential purchases.

The company offers loan packages tailored to specific segments: salaried employees, business households, customers with good credit histories, or those holding life insurance policies. Loans range up to 100 million VND, with terms from three to 36 months, and interest rates starting at 1.37% per month – among the lowest in the current consumer finance market.

SHBFinance launches a promotional interest rate program from 1.37% per month, the lowest interest rate ever. Photo: SHBFinance

SHBFinance launches a promotional interest rate program from 1.37% per month, the lowest interest rate ever. Photo: SHBFinance

SHBFinance also focuses on product personalization, adjusting its credit scoring process to offer preferential interest rates and higher limits to customers with strong profiles. Loan approval times have been reduced to approximately five minutes for returning customers or those applying through digital platforms.

Customers also receive post-loan support services throughout the product lifecycle, including access to over 10 payment channels (both online and offline) and tools for loan tracking and management. A modern loan management system helps assess customer payment behavior, enabling appropriate support actions.

To meet diverse financial needs, SHBFinance provides a range of flexible solutions, including cash loans and credit cards. Cash loans suit customers requiring substantial funds for specific purposes, while credit cards cater to flexible spending, short-term contingencies, or cash withdrawals.

With its Sung Tuc credit card, SHBFinance offers interest rate discounts of up to 50%, along with benefits such as a 70 million VND credit limit, quick issuance, instant cash withdrawals, and waivers on four types of fees: issuance, annual, renewal, and withdrawal (for the first 10 transactions). This card serves as a readily available source of funds. Customers only need to complete the application process once for lifelong access and convenient usage.

SHBFinance staff advise customers about the Sung Tuc credit card. Photo: SHBFinance

SHBFinance staff advise customers about the Sung Tuc credit card. Photo: SHBFinance

An SHBFinance representative stated that all products feature simple application processes, fast processing times, and competitive interest rates. The combined offering allows customers to optimize cash flow and access flexible funding based on their needs and circumstances.

SHBFinance aims to build a mass financial ecosystem where users can choose solutions that align with their repayment capacity and actual needs.

"We want each loan to be a support tool, not a burden. If implemented correctly, consumer lending can empower people to improve their quality of life and achieve greater financial stability," shared Ms. Olena Khlon, CEO of SHBFinance.

Loans are designed with flexibility, based on individual customer capabilities. Advisors provide clear explanations before customers make borrowing decisions. A big-data-driven scoring system enables the company to make informed decisions, mitigating bad debt risks and preventing financial strain during repayment.

The company representative explained that SHBFinance pursues a comprehensive digitalization strategy with a customer-centric focus. Building a financial ecosystem based on a deep understanding of consumer needs is considered key, enabling the company to provide flexible solutions that adapt quickly to new trends.

SHBFinance regularly launches promotions to show appreciation to customers. Photo: SHBFinance

SHBFinance regularly launches promotions to show appreciation to customers. Photo: SHBFinance

From simplifying the loan process to applying technology in operations, SHBFinance is steadily expanding its flexible financial model to reach diverse customer groups. In 2024, the company recorded an 86% positive customer service rating, an 18.3% return customer rate, and increased loan approval rates among customers without credit histories. These figures demonstrate the effectiveness of the company's "mastering the game" strategy across technology, products, and people.

Looking ahead, SHBFinance aims to further promote financial inclusion in Vietnam through adaptable solutions suited to various user groups. The company hopes to expand access to services for underserved populations, especially those with unstable incomes, lacking collateral, or seeking modern, fast, and convenient funding options.

This commitment aligns with SHBFinance's mission to bridge the financial access gap and drive sustainable community development.

Minh Ngoc