Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

FE Credit review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

FE Credit is a Vietnamese finance company that lends directly, offering a fixed-rate personal loan or a revolving credit line with an origination fee of 0 VND. It suits Vietnamese citizens with a steady monthly income and fair credit who want a fixed rate of 1.41% to 3.86%.

Key facts

Best for
A fixed-rate personal loan or credit line with an origination fee of 0 VND.
APR
1.41% to 3.86%↗
Loan amount
₫3,000,000 to ₫100,000,000↗
Term
6 to 36 months↗
Arrangement fee
0 VND↗
Credit check
Hard↗
Funding time
Cash must be collected within 15 days of credit approval (VNPost, bank or partner stores); transfer into an Ubank by VPBank account can be chosen at contract signing in the FE ONLINE 2.0 app↗
Representative example
Customer approved for 10,000,000 VND at 16.92%/year (1.41%/month), 12-month term, expected monthly payment 974,000 VND, expected total 11,692,000 VND↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
Vietnamese citizen, aged 20-60, income from 3,000,000 VND per month, valid national ID card (CCCD)↗
Loan types
Personal, Credit-line↗
Credit needed
Fair↗
Legal entity
Cong ty Tai chinh TNHH Ngan hang Viet Nam Thinh Vuong SMBC (VPB SMBC Finance Company)↗
Headquarters
Vietnam↗
Founded
2015↗
Support channels
Phone, Email, Chat, Help-centre↗
Pricing model
Fixed rate
Features
Credit line
Official website
fecredit.com.vn

Credit cards

Annual fee
₫0↗
Currency conversion fee
0%↗
Rewards type
Cashback↗
Rewards rate
2% cashback on cash withdrawals made in the FE ONLINE 2.0 app↗
Perks
Interest-free up to 45 days on the Mastercard Plus card, Flexible instalment plans from 0% interest (Flexi IPP at 2.99%/month), Credit limit up to 60 million VND, Free card replacement, renewal, PIN reissue, SMS alerts and ATM cash withdrawal fee, No fee for foreign-currency transactions, over-limit, statement reissue and instalment conversion, Discounts of up to 50% at partner merchants such as Shopee, Xanh SM, ShopeeFood and MoMo↗
Card kind
Credit↗

Personal insurance

Premium from
₫400,000↗
Insurance types
Health↗
Provider type
Broker↗
Cover limit
Outstanding balance of the credit facility↗
Claims channels
Mobile app↗
Age range
20-60↗

Facts checked September 26, 2026, 9 sources

Apps and profiles

Get the app
App Store
Elsewhere
LinkedIn

Pros and cons

Pros

  • Loans run on a fixed rate of 1.41% to 3.86% over terms of 6 to 36
  • The origination fee is 0 VND, and the Mastercard Plus card has an annual fee of VND 0 with a currency conversion fee of 0%
  • A credit line lets you draw again instead of taking a fresh loan each time
  • Support runs on phone, email and chat

Cons

  • Applications run a hard credit check, and the credit needed is fair, so thin files can be declined
  • Claims are filed through the mobile app, the only claim channel listed
FE Credit

Ready to try FE Credit?

Scored 9.3 / 10 by SumCue.

See alternatives

Who it suits

  • Vietnamese citizens with a regular monthly income and a valid national ID card
  • Adults with fair credit who want a fixed rate they can plan around
  • Borrowers who want a revolving credit line next to a lump-sum loan

Who should look elsewhere

  • Cashspace users, whose published rates run PHP 12 to PHP 36 in a different market
  • Creduma ES users, whose minimum amount of from €12,000 sits in another currency
  • Sofkredit users, whose rates of 10.74% to 18.06% sit well above this range

Safety of your money

FE Credit lends directly rather than acting as a broker, so you deal with one company from application to repayment. The representative example it publishes shows the shape of a personal loan clearly: an approved amount, the rate charged, the term, the monthly instalment and the total repayable figure, all stated together. That makes the cost of a loan easy to check before you sign.

Who runs it

The lender behind FE Credit is a Vietnamese finance company set up with VPBank and SMBC, and it operates as a direct lender from VN. It has been lending since 2015, and the loans, credit line and cards all sit under the same name. Support runs on phone, email and chat, so questions about a contract or a payment can go to a person by phone or in writing.

How FE Credit compares

Where FE Credit is available

Available
Vietnam

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

Frequently asked questions

Is there a fee for taking out a FE Credit loan?+

The origination fee is 0 VND, so setting the loan up carries no charge. The Mastercard Plus card is also free to keep, with an annual fee of VND 0 and a currency conversion fee of 0% on foreign-currency transactions. Card replacement and renewal are listed as free as well.

How much can I borrow from FE Credit?+

Personal loans run VND 3,000,000 to VND 100,000,000, depending on what you qualify for, and the credit line sits on its own limit set after approval. Approval turns on your income and credit rather than one fixed figure, so the amount named in your offer is the one that counts for your budget.

How do I collect the money once I am approved?+

Cash has to be collected within a short window after approval, at a VNPost counter, a bank or a partner store. If a counter feels like a hassle, a transfer into a Ubank by VPBank account can be chosen when you sign the contract in the mobile app. Pick your route at signing.

What credit history do I need to be accepted?+

FE Credit runs a hard credit check, and the credit it describes as fair is the level it works to. Applications also ask for Vietnamese citizenship, a regular monthly income and a valid national ID card, with an age range of 20-60 on the app listing. A thin file is the main reason an application stalls.

Can I borrow again without applying from scratch?+

A credit line runs alongside the personal loan, so you can draw further sums against a limit rather than starting a new application each time. The card is linked to that same facility, and the site lists interest-free periods on it. A revolving line suits spending that comes and goes.

What happens to my balance if I fall ill?+

Health insurance is the type linked to the credit facility, and it covers the outstanding balance of that facility, recorded as Outstanding balance of the credit facility. The cover sits with the credit line and card rather than being sold as a general policy, so check the terms for what it pays and any waiting period before you rely on it.

How do I get help or make a claim?+

Support runs on phone, email and chat, so phone, email, chat and a help centre are all open to you. Claims are filed through the mobile app, which is also where you apply, choose how the money reaches you and check your balance. Keeping the app handy once you are a customer saves a trip.

Sources

  • apps.apple.com/vn/app/6470750798 checked September 26, 2026

    Backs: Age range

  • fecredit.com.vn/the-tin-dung checked September 26, 2026

    Backs: Perks, Rewards rate, Rewards type

    “Rut tien mat - Nhan hoan tien 2% voi the tin dung FE CREDIT ngay tren ung dung FE ONLINE 2.0”

  • fecredit.com.vn/the-tin-dung/jcb-plus checked September 26, 2026

    Backs: Annual fee, Card kind, Currency conversion fee

    “FE Credit JCB Plus - Phi thuong nien the: Mien phi”

  • fecredit.com.vn checked September 26, 2026

    Backs: Loan types

    “FE CREDIT - unsecured consumer lending; Flexible Cash: credit facility of up to 100 million VND”

  • fecredit.com.vn/bao-hiem-lien-ket checked September 26, 2026

    Backs: Cover limit, Insurance types, Premium from

    “Cong ty bao hiem se thay ben mua bao hiem thanh toan du no con lai cua khoan tin dung”

  • fecredit.com.vn/bao-mat-va-quyen-rieng-tu checked September 26, 2026

    Backs: Provider type

    “insurance products of which VPB SMBC FC is the representative”

  • fecredit.com.vn/cau-hoi-thuong-gap checked September 26, 2026

    Backs: APR, Credit check, Credit needed, Features, Funding time, Pricing model, Arrangement fee, Rate type, Representative example, Support channels, Term

    “The Flexible Cash (Tien mat linh hoat) credit line at FE CREDIT has a maximum preferential interest rate ranging from 1.41% to 3.86% per month, depending on the customer profile”

  • fecredit.com.vn/tien-mat-linh-hoat checked September 26, 2026

    Backs: Loan amount, Eligibility

    “Flexible Cash - repayment estimator: requested amount 3 million to 100 million VND”

  • fecredit.com.vn/ve-chung-toi checked September 26, 2026

    Backs: Claims channels, Founded, Headquarters, Legal entity, Lender type

    “FE CREDIT successfully converted its consumer credit activities into a new independent legal entity in February 2015”

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

FE Credit

FE Credit

A fixed-rate personal loan or credit line with an origination fee of 0 VND.

9.3/10See alternatives