Lotte Finance VN review

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

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Our verdict

Lotte Finance VN suits borrowers in Vietnam who want a direct lender on a fixed rate with arrangement fees of 0 VND. Personal, car and buy now pay later lending sits alongside home improvement borrowing, with amounts reaching up to VND 100,000,000 over terms of 6 to 60.

Key facts

Best for
Fixed rate borrowing in Vietnam without an arrangement fee
Loan amount
up to ₫100,000,000 (Source, checked September 26, 2026)
Term
6 to 60 months (Source, checked September 26, 2026)
Arrangement fee
0 VND (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Individual customers; foreign nationals residing in Vietnam: loan term cannot exceed their remaining permitted stay in Vietnam (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Car, BNPL (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Lotte Finance One-Member Limited Liability Finance Company, Viet Nam (LOTTE Finance), enterprise no. 0103172804 (Source, checked September 26, 2026)
Headquarters
Vietnam (Source, checked September 26, 2026)
Founded
2017 (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
lottefinance.vn

Apps and profiles

Get the app
Google Play
Elsewhere
facebook.com

Pros and cons

Pros

  • Arrangement fees of 0 VND and 0% keep the cost of setting up a loan low.
  • A direct lender, direct lender, so you deal with the finance company itself rather than a broker.
  • fixed rate pricing, with terms of 6 to 60 to spread a planned purchase.
  • Support runs on phone, email and chat.

Cons

  • Free early repayment: no, so the terms do not let you settle the loan early at no cost.
  • Foreign nationals can borrow, but the term cannot run past their remaining permitted stay in Vietnam.
  • The range is personal, car and bnpl, aimed at individual customers rather than businesses or students.

Ready to try Lotte Finance VN?

Scored 8.9 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers in Vietnam who want a fixed rate and no arrangement fee to pay up front.
  • Anyone planning home improvement work, since home improvement is the stated use for the money.
  • Applicants happy to deal with a direct lender, direct lender, on a single application.

Who should look elsewhere

  • Cashspace, if you need Philippine peso borrowing up to PHP 500 to PHP 25,000 rather than dong.
  • Cashspace ES, if you need euro amounts of €100 to €5,000 in a European market.
  • Monzo Flex, if you want sterling borrowing up to £10,000 to £35,000 instead.

Safety and regulation

Lotte Finance VN is a direct lender, direct lender, so the finance company lends to you itself rather than passing the application to a partner. It is regulated by the State Bank of Viet Nam in Vietnam, and the head office sits in Vietnam. The counterparty on your agreement is the named finance company, not a marketplace intermediary, which keeps the money on one side of the deal.

How Lotte Finance VN compares

Where Lotte Finance VN is available

Available
Vietnam
Licence in Vietnam
State Bank of Viet Nam (Ngan hang Nha nuoc), checked September 26, 2026

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

Frequently asked questions

What does Lotte Finance VN charge to arrange a loan?+

The arrangement fee is 0 VND, and the percentage fee is 0%, so nothing is added on top when the loan is set up. Interest is priced on a fixed rate, which means the rate offered does not drift while the loan runs.

How much can I borrow and over what term?+

Amounts reach up to VND 100,000,000 and terms run 6 to 60, so a larger project can be spread across a longer repayment period. Borrowing is in Vietnamese dong, so check the amount against local income before you apply.

What kinds of loan does Lotte Finance VN offer?+

The range covers personal, car and bnpl, and home improvement is the stated use for the money. Personal, car and buy now pay later products sit under the same lender, so the company you repay is the same whichever product you take.

Can I repay the loan early without a charge?+

Free early repayment: no. The published terms do not let you settle the loan early at no cost, so size the term to what you can comfortably pay each period rather than counting on clearing it sooner and saving interest.

Who is eligible to apply?+

Eligibility is for individual customers, and foreign nationals residing in Vietnam are accepted, with the term not allowed to run past their remaining permitted stay in the country. Applications are personal rather than business, across the personal, car and bnpl range.

Who regulates the lender?+

Lotte Finance VN is regulated by the State Bank of Viet Nam, the Vietnamese central bank. It is a direct lender, direct lender, so it lends its own money and the named finance company is the counterparty on your agreement.

How can I reach the company?+

Support runs on phone, email and chat, so phone, email, live chat and a help centre are all available in one service. The head office is in Vietnam, which matters for borrowers who want to deal with the company directly.

Sources

  • lottefinance.vn/web checked September 26, 2026

    Backs: Loan amount, Headquarters, Loan types, Support channels

    “Ban duoc vay den 100 trieu dong khong can tai san the chap! (personal loan, up to 100 million VND)”

  • lottefinance.vn/web/company/lotteVietnam checked September 26, 2026

    Backs: Founded, Licences

    “Nam 2017, LotteCard ky ket Thoa thuan mua lai 100% co phan cua cong ty tai chinh thuoc mot trong nhung ngan hang lon nhat Viet Nam”

  • lottefinance.vn/web/loan/loanMainList checked September 26, 2026

    Backs: Term

    “Ky han vay 6 Thang 12 Thang 24 Thang 36 Thang 48 Thang 60 Thang”

  • lottefinance.vn/web/loan/loanProcess checked September 26, 2026

    Backs: Arrangement fee, Origination fee (%)

    “Ban khong phai thanh toan bat ky khoan phi nao cho viec dang ky khoan vay”

  • lottefinance.vn/web/service/customer/termAndCond/loanTnC checked September 26, 2026

    Backs: Eligibility, Free early repayment, Legal entity, Lender type, Pricing model, Rate type, Use cases

    “Khach hang van duoc quyen tra no truoc han nhung phai thanh toan khoan tien lai theo toan bo Thoi han cho vay”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Credit check, Funding time, Representative example.

Lotte Finance VN

Fixed rate borrowing in Vietnam without an arrangement fee

8.9/10See alternatives

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