Tima
Tima is a Vietnam-based P2P lending marketplace that connects individual borrowers seeking consumer credit with individual investors. Operating since 2015, it serves 3 million+ registered customers and roughly 70,000 lenders via its MyTima mobile app and 13 physical branches.
- Company typePrivate
- Founded2017
- HeadquartersHanoi, Vietnam
- Headcount251–500
- GTM typeB2C
- OfferingSoftware
What Tima does
Tima operates as a peer-to-peer financial connection platform in Vietnam, functioning as an intermediary marketplace between individual borrowers seeking consumer credit and individual lenders seeking returns of up to 19 percent per year. Founded in 2015 and headquartered in Hanoi, the company has grown to 3 million or more registered customers, 500,000 or more successful borrowers historically, and approximately 70,000 active lender/investor accounts, with the company citing a 98 percent disbursement effectiveness rate.
The platform is delivered primarily through the MyTima mobile application, which unifies borrower-facing and lender-facing functionality alongside an integrated GPAY e-wallet. Loan products include unsecured income-based loans (interest starting at 1.08 percent per month), installment loans, cash loans, motorbike and car registration-backed loans, car-purchase installment loans, and the TFast product launched in April 2026 for short-term financing of 20–80 million VND. Backend technology includes AI-driven credit assessment, eKYC identity verification, electronic contract signing, and digital loan management. The company supplements its digital distribution with 13 physical transaction offices across ten or more Vietnamese provinces and a network of bank partners (CIMB, BIDV, Techcombank, VietinBank, NCB, Nam A Bank, MSB) for disbursement and repayment infrastructure.
Tima generates revenue primarily through the spread between borrower interest rates and lender returns, supplemented by loan management fees paid by borrowers. The company explicitly positions itself as a technology connection platform rather than a creditor, which sidesteps certain regulatory capital requirements but exposes the business to marketplace liquidity risk on both the borrower and lender sides. Strategic distribution partnerships span e-wallets (Momo, GPAY) and insurance (Bảo Minh), and recent activity includes an AI credit assessment Proof of Concept with PFCT for Southeast Asian market development.
Tima firmographics
Firmographics- Name
- Tima
- Legal name
- Công ty Cổ phần Tập đoàn TIMA
- Website
- https://tima.vn
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Tima is a Vietnam-based P2P lending marketplace that connects individual borrowers seeking consumer credit with individual investors. Operating since 2015, it serves 3 million+ registered customers and roughly 70,000 lenders via its MyTima mobile app and 13 physical branches.
- Ownership category
- akta.pro rank
Tima industry classification
Industry- Product category
- Peer-to-Peer Lending Marketplace
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223)
- SIC
- Loan Brokers (6163), Personal Credit Institutions (6141)
- akta.pro primary industry
- P2P Loan Syndication & Participation Platforms (FSAKAHAL)
- akta.pro secondary industry
- Consumer P2P Personal Loans (Unsecured) (FSAKAHAA)
Keywords
Where Tima is headquartered
LocationHeadquarters
- HQ city
- Hanoi
- HQ country
- Vietnam
- HQ region
- Asia
Offices12 records
Markets served
Tima business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure
Revenue model
- Interest Rate Spread / Loan Facilitation Fees: Tima earns revenue by facilitating P2P loans between borrowers and individual lenders (investors). The platform charges borrowers an interest rate (from 13%/year as stated) and investors receive a portion of the lending interest (up to 19%/year for lenders), with Tima retaining the spread as a platform facilitation fee. Additional fees include loan management fees charged to borrowers. Tima explicitly states it is not a creditor itself — it operates as a technology connection platform between borrowers and investors.
- Management/Service Fees: Borrowers pay a loan management fee as well as interest. The platform also supports insurance partner products where commissions may be earned. Fees are described as being set by Tima from time to time.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Standard Unsecured Loan (Vay tín chấp) – Income-based credit evaluation |
| Unit Pricing | Monthly | Installment Loan (Vay trả góp) – Consumer installment without collateral |
| Unit Pricing | Monthly | Car Registration Loan (Vay bằng đăng ký xe ô tô) – Loan backed by car registration |
| Unit Pricing | Monthly | Cash Loan (Vay tiền mặt) – Quick disbursement cash loan |
| Unit Pricing | Monthly | Motorbike Registration Loan (Vay bằng đăng ký xe máy) – Loan using motorbike registration |
| Unit Pricing | Monthly | Installment Car Purchase Loan (Vay mua ô tô trả góp) – Auto financing |
| Unit Pricing | Monthly | TFast – Short-term Online Loan (launched April 2026) |
| Outcome Based/ Performance | Monthly | Investor/Lender Returns |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels8 records
Tima product offering
Product offeringCore offering
Tima operates a Vietnam-based peer-to-peer (P2P) lending marketplace that connects individual borrowers seeking consumer credit with individual investors seeking yield. The platform offers unsecured personal loans, installment loans, car-registration-backed loans (Tima One), motorcycle-registration loans, cash loans, car purchase installments, and TFast short-term online loans, all accessible via the MyTima mobile app and partnered bank/e-wallet infrastructure. Tima acts as a technology intermediary — not a creditor — and earns the spread between borrower rates and lender returns plus management fees.
Product overview
Tima operates as a P2P financial connection marketplace (sàn kết nối tài chính) in Vietnam, serving as a technology platform that connects borrowers with individual lenders. The product portfolio centers on the MyTima mobile app which unifies borrowing and investing functionality alongside the GPAY e-wallet. The lending product line includes: the flagship Tima One (100% online car-registration loan), the newly launched TFast quick loan product (April 2026), unsecured loans, installment loans, cash loans, motorcycle and car registration loans, and car purchase installment loans. On the investor side, the Tima Đầu tư (Lender) app enables individual investors to manage P2P lending portfolios with returns up to 19%/year. The company also operates 13 physical branches across Vietnam and serves approximately 10 million registered borrowers.
Differentiator
Problem solved
Functional benefit
Brands
- TFast: Rapid online loan product launched April 2026, supporting loans from 20-80 million VND with 100% online process for short-term financial needs.
Products and services
- Tima P2P Lending Marketplace Platform Core peer-to-peer lending marketplace acting as a technology intermediary between individual borrowers seeking consumer credit and individual investors (lenders) seeking returns on idle capital; Tima is not itself a creditor.
- MyTima Mobile Application Dual-purpose mobile application serving both borrowers (Tima One) and investors (Tima Đầu tư) on the P2P marketplace; supports loan application, eKYC verification, electronic contract signing, loan tracking, investment portfolio management, GPAY e-wallet services, and 24/7 access.
- Tima Đầu tư (Tima Lender App) Dedicated mobile application for individual investors to manage their P2P lending portfolio; users can select open loan opportunities on the marketplace, track investments, monitor cash flow, and earn returns up to 19%/year with a minimum investment of 10 million VND.
- Tima One (Online Car-Registration Loan) Fully online car-registration-backed lending product integrated within the MyTima app; offers loans from 20 million to 2 billion VND with 100% digital application, eKYC identity verification, electronic contract signing, and disbursement within 2 hours.
- TFast Short-term Online Loan Quick online loan product for short-term financial needs, with loan amounts from 20 million to 80 million VND, 100% online application, no requirement to surrender vehicle registration documents, and fast disbursement for qualifying borrowers.
- Vay tín chấp (Unsecured Personal Loan) Unsecured personal loan product assessed based on income and creditworthiness without requiring asset collateral; streamlined application with monthly interest rate starting at 1.08% and minimum loan amount from 3 million VND.
- Vay trả góp (Installment Loan) Consumer installment loan product with regular periodic (monthly) payments, no asset collateral required, and interest rate of 1.08% per month for personal consumption.
- Vay bằng đăng ký xe ô tô (Car Registration Loan) Loan product backed by car registration documents (cavet xe ô tô); offers loan limits up to 2 billion VND with four flexible package options for individuals and businesses, disbursement within 2 hours, available through both branch and online channels.
- Vay bằng đăng ký xe máy (Motorbike Registration Loan) Loan product backed by motorcycle registration documents (cavet xe máy); borrowers can leverage their motorcycle registration to access capital with favorable interest rates and a simple online process without asset collateral.
- Vay tiền mặt (Cash Loan) Fast-disbursement cash loan product for urgent financial needs; borrowers can receive funds within 2 hours with confidential transaction information handling.
- Vay mua ô tô trả góp (Car Purchase Installment Loan) Monthly installment loan product for purchasing cars; no asset collateral required, monthly interest rate of 1.08%, and flexible repayment terms.
Quantifiable outcome
- 98% disbursement effectiveness rate
- +3 more outcomes
Companies that use Tima
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles2 records
Tima technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability4 records
Feature4 records
Tima partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered major, core, supporting and minor.
- CIMB Bank (Malaysia)majorCIMB provides disbursement account services for borrowers through BIDV account system (from Jan 2025). CIMB partnership enables Tima to leverage regional banking infrastructure for loan disbursement and repayment processing. As a major Southeast Asian bank, CIMB partnership signals cross-border financial ecosystem integration.
- BIDVcoreBIDV is used as the disbursement and repayment bank for CIMB-sourced borrowers (switched from Techcombank in Jan 2025). BIDV accounts are the primary receiving bank for loan disbursements. BIDV is one of Vietnam's largest state-owned commercial banks.
- TechcombankcorePreviously the primary disbursement bank for Tima borrowers; still used for pre-Jan 2025 CIMB-sourced accounts. Techcombank is a key banking partner for payment processing and fund transfers within the Tima ecosystem.
- Gpay (Công ty Cổ phần Thanh toán G)coreGpay provides the e-wallet infrastructure integrated within the MyTima app for in-app payments and transaction processing. Gpay is the designated e-wallet service provider on the MyTima application, handling virtual account creation and payment processing for borrowers and lenders on the platform.
- VietinBanksupportingPartner bank for disbursement and repayment processing. Listed among Tima's strategic banking partners for fund transfers and loan servicing.
- Nam Á BanksupportingStrategic banking partner listed among Tima's partner ecosystem. Nature of partnership includes potential disbursement services and customer referral.
- NCB BanksupportingListed as a strategic partner bank. Partnership supports payment processing and potentially customer referrals within the Tima lending ecosystem.
- MomosupportingVietnam's leading e-wallet (MoMo) listed as a strategic partner. Partnership enables payment processing capabilities within the Tima financial ecosystem.
- Bảo Minh (Insurance)supportingBảo Minh is a major Vietnamese insurance company partnering with Tima to provide insurance products within the lending ecosystem, offering risk coverage for lenders/investors on the platform.
- G-GroupsupportingListed as a strategic partner of Tima. G-Group is a Vietnamese technology/business group known for digital financial services. Partnership likely involves technology or ecosystem collaboration.
- PFCT (AI Financial Technology Company)minorPFCT is conducting Proof of Concept (POC) projects with Tima to demonstrate AI-based credit evaluation and risk management technology in Vietnam, as part of PFCT's Southeast Asian market tour. This partnership provides Tima access to AI-powered credit assessment capabilities for enhanced borrower risk evaluation.
Scale indicators6 records
Recent moves7 records
Expansion highlights5 records
Tima competitors and assessment
Company assessmentBroad incumbents
- Funding Circle: UK-listed global P2P/SMB lending marketplace connecting borrowers with institutional and retail investors. Comparable to Tima as a marketplace intermediary, though Tima focuses on consumer credit while Funding Circle targets SMBs.
- LendingClub: US-listed online lending marketplace that originated as a P2P platform connecting borrowers with individual lenders. Closest global analogue to Tima's marketplace intermediation model, with consumer loan origination focus.
- Home Credit Vietnam: Major multinational consumer finance provider operating in Vietnam with installment, cash, and POS lending products. Comparable to Tima as a large-scale consumer credit provider targeting similar underbanked/mass-market borrowers, though it funds from its own balance sheet rather than a marketplace.
- FE Credit: Vietnam's largest consumer finance company, backed by VPBank, offering cash loans, installment loans, and credit cards. Comparable to Tima's consumer credit focus at much larger scale, but operates as a balance-sheet lender rather than a P2P marketplace.
- Mcredit (MB Shinsei Finance): Vietnamese consumer finance joint venture offering personal, auto, and mortgage loans. Comparable to Tima in serving underbanked Vietnamese consumers, with similar cash loan and installment products but bank-affiliated balance-sheet model.
Direct peers
- Lendomo (Sovos): One of the earliest Vietnamese P2P lending marketplaces connecting borrowers with individual lenders. Directly comparable to Tima as a domestic Vietnam P2P platform with similar intermediation model and consumer focus.
- Doctor Dong: Vietnamese fintech offering small-ticket consumer loans to underserved borrowers. Closely comparable to Tima in serving underbanked Vietnamese consumers with fast, small-amount credit products.
- ATM Online: Vietnamese P2P lending platform focused on connecting borrowers with retail investors for consumer loans. Directly comparable marketplace model to Tima within the Vietnamese market.
Regional players
- Investree (Indonesia): Indonesian P2P lending platform connecting SMEs and consumers with individual/institutional funders. Comparable to Tima as a Southeast Asian P2P marketplace peer with similar technology-driven intermediation, though operating in a different geography.
- Cashalo (PH/ID): Southeast Asian (Philippines, Indonesia) consumer lending fintech offering cash loans and credit lines via a digital platform. Comparable to Tima in serving underbanked Southeast Asian consumers with fast digital credit, but does not operate an investor-facing P2P marketplace.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Tima social profiles
Digital presenceTima financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tima leadership team
Management profileNumber of profiles
Profiles2 records
Tima funding detail
Funding detailFunding overview
Funding rounds2 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tima M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Tima
What does Tima do?
Tima operates a Vietnam-based peer-to-peer (P2P) lending marketplace that connects individual borrowers seeking consumer credit with individual investors seeking yield. The platform offers unsecured personal loans, installment loans, car-registration-backed loans (Tima One), motorcycle-registration loans, cash loans, car purchase installments, and TFast short-term online loans, all accessible via the MyTima mobile app and partnered bank/e-wallet infrastructure. Tima acts as a technology intermediary — not a creditor — and earns the spread between borrower rates and lender returns plus management fees.
Is Tima a public or private company?
Tima is a private company. It is classified as venture growth investor backed and is currently operating.
When was Tima founded?
Tima was founded in 2017. It employs 251 to 500 people.
Where is Tima based?
Tima is headquartered in Hanoi, Vietnam, in the Asia region.
How does Tima make money?
Two revenue lines are on record. Interest Rate Spread / Loan Facilitation Fees are the primary driver. The others are management/Service Fees.
Who are Tima's main competitors?
Broad incumbents on record are Funding Circle, LendingClub, Home Credit Vietnam, FE Credit and Mcredit (MB Shinsei Finance). Direct peers are Lendomo (Sovos), Doctor Dong and ATM Online. Regional players are Investree (Indonesia) and Cashalo (PH/ID).
Does Tima have an API?
No public API is recorded for Tima.
What industry is Tima in?
Tima's product category is Peer-to-Peer Lending Marketplace. Its primary akta.pro industry code is FSAKAHAL, P2P Loan Syndication & Participation Platforms, with a secondary code of FSAKAHAA, Consumer P2P Personal Loans (Unsecured). Its NAICS code is 52231 and its SIC code is 6163.