VietCredit

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.

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

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

• Consumer finance services
• Credit card services
• Consumer lending
• Auto loans
• Small business loans

Headquarters

HQ city

Hanoi

HQ country

Vietnam

HQ region

Asia

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Distribution channels2 records

Marketing channels3 records

Core 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.

Segments4 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves6 records

Expansion highlights5 records

Direct 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

• Xx.com/vietcreditfc
• Facebookfacebook.com/VietCreditOfficial
• LinkedInlinkedin.com/company/vietcredit

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 VietCredit