FE Credit review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

FE Credit suits Vietnamese borrowers with a fair credit record who want a fixed-rate personal loan or a revolving credit line from the lender itself. Its APR runs 1.41% to 3.86% a month, it charges an origination fee of 0 VND, and terms run 6 to 36.

Key facts

Best for
A fixed-rate loan or credit line in Vietnam with the origination fee at 0 VND.
APR
1.41% to 3.86% (Source, checked September 26, 2026)
Loan amount
₫3,000,000 to ₫100,000,000 (Source, checked September 26, 2026)
Term
6 to 36 months (Source, checked September 26, 2026)
Arrangement fee
0 VND (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Cash must be collected within 15 days of credit approval (VNPost, bank or partner stores); transfer into an Ubank by VPBank account can be chosen at contract signing in the FE ONLINE 2.0 app (Source, checked September 26, 2026)
Representative example
Customer approved for 10,000,000 VND at 16.92%/year (1.41%/month), 12-month term, expected monthly payment 974,000 VND, expected total 11,692,000 VND (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Vietnamese citizen, aged 20-60, income from 3,000,000 VND per month, valid national ID card (CCCD) (Source, checked September 26, 2026)
Loan types
Personal, Credit-line (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Legal entity
Cong ty Tai chinh TNHH Ngan hang Viet Nam Thinh Vuong SMBC (VPB SMBC Finance Company) (Source, checked September 26, 2026)
Headquarters
Vietnam (Source, checked September 26, 2026)
Founded
2015 (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line
Official website
fecredit.com.vn

Apps and profiles

Get the app
App Store
Elsewhere
LinkedIn

Pros and cons

Pros

  • Lends its own money as a direct lender (direct lender), so no broker margin sits inside the rate
  • Fixed pricing on both products (fixed rate type, fixed rate model), so the monthly amount holds steady
  • Origination fee of 0 VND, which keeps the amount received close to the amount approved

Cons

  • A hard credit check is required (hard), so the decision rests on your full credit file
  • The stated credit bar is fair (fair), so a thin or poor credit record is unlikely to pass
FE Credit

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Scored 9.3 / 10 by BorrowCue.

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Who it suits

  • Vietnamese citizens with a valid national ID card, a monthly income above the stated floor and an age inside the stated range
  • Borrowers who want a revolving credit line (credit line) and the option to draw again rather than take a single loan
  • Anyone who prefers a fixed monthly amount and a phone line, given support on phone, email and chat

Who should look elsewhere

  • Cashspace, whose listed APR runs PHP 12 to PHP 36, if you want to weigh a differently priced lender
  • Cashspace ES, which lists an APR of 0%, if the headline rate is the deciding factor
  • Monzo Flex, whose personal loan APR runs 10% to 23%, if you are not a Vietnamese citizen and cannot meet the eligibility rules

The company behind it

FE Credit is the lending name of VPB SMBC Finance Company, a finance company headquartered in Vietnam and founded in 2015. The company sells under its own name, so contracts, repayments and support all run through one firm. Customers can reach the team through phone, email and chat, which covers phone, email, chat and a help centre.

How FE Credit compares

Where FE Credit is available

Available
Vietnam

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate will I pay on a FE Credit loan?+

FE Credit prices at a fixed rate. Its stated APR runs 1.41% to 3.86% a month, and the rate type is fixed, so the monthly amount does not change during the term. The model is fixed-rate, which suits borrowers who want the same payment out of their account each month.

What fees does FE Credit charge?+

The only fee listed is the origination fee, set at 0 VND. No broker commission is added on top, because FE Credit is a direct lender (direct lender) and lends its own money. That keeps the amount received close to the amount approved.

How much can I borrow, and for how long?+

Borrowing runs VND 3,000,000 to VND 100,000,000, and terms run 6 to 36. A credit line sits at the wider end of the range, so a revolving limit works better for ongoing needs than a single loan. Repayments are made monthly across the term you sign for.

What credit check and credit record are needed?+

FE Credit runs a hard credit check (hard), so the decision is made on your full credit file rather than a soft prequalification. The stated credit bar is fair (fair), so applicants with a thin or poor record are unlikely to be approved.

How do I get the money once I am approved?+

Approved cash, within the VND 3,000,000 to VND 100,000,000 you are approved for, is collected in person from VNPost, a bank or a partner store within a set window of credit approval. A transfer into an Ubank by VPBank account can instead be chosen at contract signing in the FE Online app.

Can I get a credit line as well as a loan?+

FE Credit offers a personal loan and a credit line (personal and credit line), so you can draw repeatedly up to a limit rather than borrowing once and repaying it. The credit line is its listed feature (credit line), which suits anyone with irregular monthly expenses.

Who can apply for a FE Credit loan?+

Applicants must be Vietnamese citizens inside the stated age range, with a monthly income at or above the stated floor and a valid national ID card. Borrowing runs VND 3,000,000 to VND 100,000,000, so limits are set against income and credit history. Anyone outside that eligibility set cannot apply.

How do I get help from FE Credit?+

Support runs on phone, email and chat, so phone, email, chat and a help centre are all listed. A phone line suits applicants in Vietnam who want to talk a decision through, and the help centre answers questions before and after an application.

Sources

  • fecredit.com.vn checked September 26, 2026

    Backs: Loan types

    “FE CREDIT - unsecured consumer lending; Flexible Cash: credit facility of up to 100 million VND”

  • fecredit.com.vn/cau-hoi-thuong-gap checked September 26, 2026

    Backs: APR, Credit check, Credit needed, Features, Funding time, Pricing model, Arrangement fee, Rate type, Representative example, Support channels, Term

    “The Flexible Cash (Tien mat linh hoat) credit line at FE CREDIT has a maximum preferential interest rate ranging from 1.41% to 3.86% per month, depending on the customer profile”

  • fecredit.com.vn/tien-mat-linh-hoat checked September 26, 2026

    Backs: Loan amount, Eligibility

    “Flexible Cash - repayment estimator: requested amount 3 million to 100 million VND”

  • fecredit.com.vn/ve-chung-toi checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Lender type

    “FE CREDIT successfully converted its consumer credit activities into a new independent legal entity in February 2015”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

FE Credit

FE Credit

A fixed-rate loan or credit line in Vietnam with the origination fee at 0 VND.

9.3/10See alternatives

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