VietCredit
VietCredit is a Vietnam-based licensed consumer finance company that issues domestic credit cards (including a digital loyalty card) and provides consumer, auto, and SME installment loans, serving salaried individuals, students, civil servants, and small businesses.
- Company typePrivate
- Founded2008
- HeadquartersHanoi, Vietnam
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
What VietCredit does
VietCredit (legal name: Công Ty Tài Chính Tổng Hợp Cổ Phần Tín Việt) is a Vietnam-based licensed consumer finance company, founded in 2008 and structured as a joint-stock company (Công Ty Cổ Phần). It is headquartered in Hanoi with a secondary office in Ho Chi Minh City and operates exclusively in the Vietnamese domestic market. The company's core business is the issuance of domestic credit cards and installment-based lending to individual consumers and small businesses, with an employee base of 1,001–5,000. Its product suite spans the VietCredit domestic credit card and the digital-only Tin Card Loyalty card; consumer installment loans under the Tin Vay brand; auto loans via Tin Go (including dedicated financing for VinFast and Wuling electric vehicles); and business loans under Tin Vay Biz for both informal household businesses (hộ kinh doanh) and formal SMEs. Distribution is primarily self-serve through the company's website, mobile application, and online application/approval flows, supplemented by in-person services. VietCredit has also extended into retail funding via online deposit contracts and deposit certificates, broadening its balance-sheet model beyond a pure consumer-lender structure.
The company's revenue mechanics derive from interest income on credit-card balances and installment loans, interchange and card-related fees, and increasingly from BNPL transaction flows following its TikTok PayLater integration and the TinCARD MWG co-branded card with Mobile World Investment Corporation. Customer segments are deliberately horizontal — salaried consumers, students, civil servants, sole proprietors, and SMEs — addressed through segmented application forms and differentiated card products. On the technology side, VietCredit's stack is functional rather than differentiated: standard digital onboarding, virtual card issuance, Tap & Pay mobile functionality, and online deposit servicing; no proprietary AI/ML, APIs, SDKs, or data-asset disclosures are evidenced in the source material. The company has implemented SBV Circular 06 and Circular 08, tightening provisioning and risk-weighting for Vietnamese consumer-credit issuers. As of the available data, ownership structure, revenue, and card-portfolio scale are undisclosed, limiting financial visibility but not altering the operational profile of a mid-sized, multi-product, domestic-only Vietnamese consumer finance company.
VietCredit firmographics
Firmographics- Name
- VietCredit
- Legal name
- Công Ty Tài Chính Tổng Hợp Cổ Phần Tín Việt
- Website
- https://vietcredit.vn
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- VietCredit is a Vietnam-based licensed consumer finance company that issues domestic credit cards (including a digital loyalty card) and provides consumer, auto, and SME installment loans, serving salaried individuals, students, civil servants, and small businesses.
- Ownership category
- akta.pro rank
VietCredit industry classification
Industry- Product category
- Consumer Finance
- NAICS
- Credit Card Issuing (52221), Sales Financing (52222)
- SIC
- Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- BNPL Card / Virtual Card Programs (FSAKACAC)
- akta.pro secondary industries
- Merchant-Integrated BNPL (Online Checkout) (FSAKACAA), Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG)
Keywords
Where VietCredit is headquartered
LocationHeadquarters
- HQ city
- Hanoi
- HQ country
- Vietnam
- HQ region
- Asia
Offices2 records
Markets served
VietCredit business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Distribution channels2 records
Marketing channels3 records
VietCredit product offering
Product offeringCore offering
VietCredit is a Vietnamese consumer finance company that issues domestic credit cards (including a digital loyalty card), consumer installment loans (Tin Vay), auto loans (Tin Go), and business/enterprise loans (Tin Vay Biz). It also offers online deposit contracts and deposit certificates, and operates BNPL integrations such as VietCredit TikTok PayLater and the co-branded TinCARD MWG card. Customers can apply online and receive quick approvals through the company's website and mobile application.
Product overview
VietCredit operates as a financial services company offering a unified portfolio centered on credit cards and consumer lending products. The core offerings include domestic credit cards (Thẻ tín dụng VietCredit), a digital credit card (Tin Card Loyalty), and various loan products under the Tin Vay brand for consumer, auto, micro-business, and enterprise financing. The company also provides online deposit services including online deposit contracts and deposit certificates. A notable product extension is the TikTok PayLater BNPL integration. VietCredit positions itself with modern technology and safety as key differentiators in the Vietnamese alternative lending market.
Differentiator
Problem solved
Functional benefit
Brands
- Tin Card Loyalty: Digital credit card with loyalty features
- Tin Vay
- Tin Go
- Tin Vay Biz
Products and services
- VietCredit Credit Card (Thẻ tín dụng VietCredit) A domestic credit card enabling customers to spend now and pay later with a flexible credit limit, with online application and quick approval for individual consumer needs.
- Tin Card Loyalty Digital Card (Thẻ số Tin Card Loyalty) A digital (virtual) credit card offering loyalty rewards and benefits for VietCredit loyal customers, with digital-first features and virtual card capabilities.
- Tin Vay Consumer Loans (Vay tiêu dùng Tin Vay) Consumer lending product providing personal loans for individual financial needs with flexible repayment terms, distributed via tinvay.com.vn.
- Tin Go Auto Loans (Vay mua xe Tin Go) Auto loan product for purchasing cars, including electric vehicles from VinFast and Wuling, with flexible installment payment options.
- Tin Vay Biz Household Business Loans (Vay hộ kinh doanh Tin Vay Biz) Business loan for informal business operators and household businesses (micro-enterprises), providing financing for working capital and business expansion.
- Tin Vay Biz Enterprise Loans (Vay doanh nghiệp Tin Vay Biz) Enterprise loan product for formal small and medium enterprises requiring larger capital for business operations.
- Online Deposit Contract (Hợp đồng tiền gửi online) Online deposit contract service allowing customers to open and manage term deposits digitally through VietCredit's online investment platform.
- Deposit Certificate (Chứng chỉ tiền gửi) Deposit certificate product offering fixed-term savings instruments issued by VietCredit with guaranteed returns.
- VietCredit TikTok PayLater Buy-now-pay-later (BNPL) credit product enabling customers to make purchases on TikTok and pay in installments through their VietCredit credit card.
- TinCARD MWG Co-branded Card Co-branded credit card with Mobile World Investment Corporation offering special benefits and rewards at MWG retail chains.
Companies that use VietCredit
Customer profileSegments4 records
Ideal customer profiles6 records
VietCredit technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
VietCredit partnerships and signals
Strategic signalRecent moves6 records
Expansion highlights5 records
VietCredit competitors and assessment
Company assessmentDirect peers
- FE Credit: Vietnam's largest consumer finance company, a subsidiary of VPBank, offering consumer loans, credit cards, and BNPL. Directly comparable to VietCredit across product mix, target customer, and regulatory framework.
- Home Credit Vietnam: Major consumer finance lender in Vietnam providing installment loans, cash loans, and credit cards focused on mass-market consumers. Closely comparable to VietCredit in product, customer, and distribution model.
- Prudential Finance Vietnam: Vietnamese consumer finance arm of Prudential offering personal loans and durable-goods financing. Comparable to VietCredit in targeting salaried and informal workers with installment lending.
- Shinhan Finance Vietnam: Korean-owned consumer finance company in Vietnam offering secured and unsecured personal loans, auto loans, and credit cards. Direct peer to VietCredit in install
- HD Saison Finance: Vietnamese consumer finance company offering personal loans, auto loans, and credit cards. A direct competitor to VietCredit in the same subprime and emerging-middle-class segments with multi-product strategy.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
VietCredit social profiles
Digital presenceVietCredit financial estimates
Financial estimateRevenue estimate
Valuation estimate
VietCredit leadership team
Management profileNumber of profiles
VietCredit funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
VietCredit 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 VietCredit
What does VietCredit do?
VietCredit is a Vietnamese consumer finance company that issues domestic credit cards (including a digital loyalty card), consumer installment loans (Tin Vay), auto loans (Tin Go), and business/enterprise loans (Tin Vay Biz). It also offers online deposit contracts and deposit certificates, and operates BNPL integrations such as VietCredit TikTok PayLater and the co-branded TinCARD MWG card. Customers can apply online and receive quick approvals through the company's website and mobile application.
Is VietCredit a public or private company?
VietCredit is a private company. It is classified as unknown and is currently operating.
When was VietCredit founded?
VietCredit was founded in 2008. It employs 1,001 to 5,000 people.
Where is VietCredit based?
VietCredit is headquartered in Hanoi, Vietnam, in the Asia region.
Who are VietCredit's main competitors?
Direct peers on record are FE Credit, Home Credit Vietnam, Prudential Finance Vietnam, Shinhan Finance Vietnam and HD Saison Finance.
Does VietCredit have an API?
No public API is recorded for VietCredit.
What industry is VietCredit in?
VietCredit's product category is Consumer Finance. Its primary akta.pro industry code is FSAKACAC, BNPL Card / Virtual Card Programs, with a secondary code of FSAKACAA, Merchant-Integrated BNPL (Online Checkout). Its NAICS code is 52221 and its SIC code is 6141.