Tima

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.

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

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

• Peer-to-peer lending
• Consumer lending platform
• Digital lending marketplace
• P2P loan facilitation
• Online consumer credit

Headquarters

HQ city

Hanoi

HQ country

Vietnam

HQ region

Asia

Offices12 records

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure

Revenue model

1. 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.
2. 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

Go-to-market motion2 records

Distribution channels7 records

Marketing channels8 records

Core 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

Named customers5 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability4 records

Feature4 records

Partnerships

Eleven partnerships are on record, tiered major, core, supporting and minor.

• CIMB Bank (Malaysia)majorChannel Partner/ Reseller/ DistributorCIMB 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.
• BIDVcoreChannel Partner/ Reseller/ DistributorBIDV 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.
• TechcombankcoreChannel Partner/ Reseller/ DistributorPreviously 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)coreTechnology or IntegrationGpay 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.
• VietinBanksupportingChannel Partner/ Reseller/ DistributorPartner bank for disbursement and repayment processing. Listed among Tima's strategic banking partners for fund transfers and loan servicing.
• Nam Á BanksupportingChannel Partner/ Reseller/ DistributorStrategic banking partner listed among Tima's partner ecosystem. Nature of partnership includes potential disbursement services and customer referral.
• NCB BanksupportingChannel Partner/ Reseller/ DistributorListed as a strategic partner bank. Partnership supports payment processing and potentially customer referrals within the Tima lending ecosystem.
• MomosupportingChannel Partner/ Reseller/ DistributorVietnam's leading e-wallet (MoMo) listed as a strategic partner. Partnership enables payment processing capabilities within the Tima financial ecosystem.
• Bảo Minh (Insurance)supportingChannel Partner/ Reseller/ DistributorBảo 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-GroupsupportingStrategic or Co-development PartnerListed 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)minorStrategic or Co-development PartnerPFCT 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

Broad 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

• YouTubeyoutube.com/channel/UC7AV0qR627c-5f8nnDckSLQ
• Facebookfacebook.com/TimaFinanceOfficial
• Pinterestpinterest.com/timavaytrongngay/_saved
• TikToktiktok.com/grouptima.official
• LinkedInlinkedin.com/company/timagroup

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tima