Home Credit Joins LenderLink's 45M Borrower Credit Network

LenderLink added Home Credit Philippines to its 20-member credit data network, giving the consumer finance company real-time access to 45 million borrower records across the lending ecosystem.

Home Credit Chief Business Development Officer Zdenek Jankovsky said joining LenderLink strengthens how the company makes credit decisions by grounding them in timely, consent-based information across the lending ecosystem. The integration enables Home Credit to extend credit to applicants previously turned down due to insufficient information—a longstanding barrier where otherwise creditworthy borrowers are rejected simply because their history isn't visible across institutions.

LenderLink operates an API-based infrastructure that's processed 1.5 million record exchanges to date. The platform follows ISO 27001-certified security protocols and Open Finance consent principles, meaning every data share requires explicit borrower permission.

LenderLink Founder and CEO Christo Georgiev said Home Credit's integration represents a milestone in creating shared credit infrastructure in the Philippines. 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.

The integration targets Filipinos with limited credit histories by incorporating positive payment records previously untracked across lenders. Home Credit stated the partnership will benefit millions of borrowers by broadening financing opportunities based on actual repayment behavior rather than gaps in institutional visibility across the 20 member institutions.

🇵🇭 Filipino Impact

Millions of Filipinos with thin credit files can now qualify for loans based on payment records shared across the 20-member network, directly addressing the credit access gap in a market where most borrowers have fragmented financial histories spread across institutions.