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Lotte Finance VN review

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

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Our verdict

Lotte Finance VN suits individuals in Viet Nam, including foreign nationals resident there, who want fixed-rate personal, car or buy-now-pay-later credit. The stated rate is 0.94% and it is held for 0.5 to 3, though free early repayment is not available on these loans.

Key facts

Best for
Individuals in Viet Nam wanting a fixed-rate personal, car or buy-now-pay-later loan with no arrangement charge.
Loan amount
up to ₫100,000,000↗
Term
6 to 60 months↗
Arrangement fee
0 VND↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
No↗
Eligibility
Individual customers; foreign nationals residing in Vietnam: loan term cannot exceed their remaining permitted stay in Vietnam↗
Origination fee (%)
0%↗
Loan types
Personal, Car, BNPL↗
Use cases
Home-improvement↗
Legal entity
Lotte Finance One-Member Limited Liability Finance Company, Viet Nam (LOTTE Finance), enterprise no. 0103172804↗
Headquarters
Vietnam↗
Founded
2017↗
Support channels
Phone, Email, Chat, Help-centre↗
Pricing model
Fixed rate
Official website
lottefinance.vn

Mortgages

Initial rate
0.94%↗
Fixed period
0.5 to 3 years↗
Product fee
₫0↗
Purpose
Purchase↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
Google Play
Elsewhere
facebook.com

Pros and cons

Pros

  • The rate is fixed and the model is fixed rate, so repayments do not drift.
  • The origination fee is 0 VND and the product fee is VND 0.
  • Support runs on phone, email and chat, covering phone, email, chat and a help centre.
  • Borrowing is direct, with amounts reaching up to VND 100,000,000 over 6 to 60.

Cons

  • Free early repayment is unavailable, so settling the loan ahead of schedule carries a charge.
  • The eligibility terms cap a foreign national's loan at their remaining permitted stay in Viet Nam.
  • Purpose is listed as purchase and the use case as home improvement, so consolidating debt is not covered.

Ready to try Lotte Finance VN?

Scored 9.0 / 10 by SumCue.

See alternatives

Who it suits

  • Individuals in Viet Nam buying a car or funding home improvement with a fixed-rate loan.
  • Borrowers who want the rate held steady, since the loan is fixed and the model is fixed rate.
  • Foreign nationals in Viet Nam with a permitted stay that comfortably covers the term they need.

Who should look elsewhere

  • Anyone planning an early settlement, because free early repayment is unavailable here.
  • Foreign nationals whose permitted stay is shorter than the term they need.
  • Borrowers who want a euro loan and can weigh Sofkredit, which lends €12,000 to €300,000 instead.

Deposit protection

Lotte Finance VN is a direct lender, which means it decides and funds its own loans rather than passing an application to other lenders for a fee. The rate, term and charges in an offer come from the company that carries the debt, so the quote a borrower signs matches the deal that ends up on the account.

The company behind it

The provider behind the loans is LOTTE Finance, a single-member limited liability finance company registered in Viet Nam. It is headquartered in Vietnam and was founded in 2017. Customers can reach the company through phone, email and chat, which covers phone, email, chat and a help centre for questions on applications, repayments and releases.

How Lotte Finance VN compares

Where Lotte Finance VN is available

Available
Vietnam
Licence in Vietnam
State Bank of Viet Nam (Ngan hang Nha nuoc), checked September 26, 2026

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

Frequently asked questions

What types of loan does Lotte Finance VN offer?+

Lotte Finance VN covers personal, car and buy-now-pay-later lending to individual customers. The borrowing ceiling is up to VND 100,000,000 and the loan term runs 6 to 60. The loans are set up for purchase and for home improvement, so the money is tied to a planned cost.

What fees come with a Lotte Finance VN loan?+

The origination fee is 0 VND and the product fee is VND 0, so arranging the loan carries no charge on the listed terms. The origination fee is also 0% of the loan. Interest is the main cost, and it is fixed for 0.5 to 3.

What rate applies and how long does it last?+

The stated initial rate is 0.94% and the rate type is fixed, so the figure holds steady during the fixed period. That period runs 0.5 to 3. Loans are fixed rate rather than variable, which suits anyone who wants the payment to stay the same each month.

Who lends the money, and who regulates it?+

LOTTE Finance is a direct lender, a single-member limited liability finance company registered in Viet Nam that funds customers itself. It is supervised by the State Bank of Viet Nam in Viet Nam, so its loans sit inside a regulated system rather than an informal one.

Can I repay the loan early without a fee?+

Early repayment is not free on these loans, so a borrower who finishes ahead of schedule still faces a charge. Settling early is a decision worth weighing against a rate of 0.94% held for 0.5 to 3, so the full term is worth planning for from the start.

Who can apply, including foreign nationals?+

The loans run 6 to 60 and are aimed at individual customers, and foreign nationals living in Viet Nam can apply. One eligibility condition stands out: for a foreign national the term cannot run past the remaining permitted stay, which can shorten the term on offer.

How do I get help once I have an account?+

Help runs through phone, email and chat. That means phone, email, chat and a help centre, so questions about an application, a repayment date or a settlement can be raised before, during and after a loan. The company was founded in 2017 and is based in Viet Nam.

Sources

  • lottefinance.vn/web checked September 26, 2026

    Backs: Loan amount, Headquarters, Loan types, Support channels

    “Ban duoc vay den 100 trieu dong khong can tai san the chap! (personal loan, up to 100 million VND)”

  • lottefinance.vn/web/company/lotteVietnam checked September 26, 2026

    Backs: Founded, Licences

    “Nam 2017, LotteCard ky ket Thoa thuan mua lai 100% co phan cua cong ty tai chinh thuoc mot trong nhung ngan hang lon nhat Viet Nam”

  • lottefinance.vn/web/loan/loanMainDetail/6F20D0AF676341B09... checked September 26, 2026

    Backs: Fixed period, Initial rate, Product fee

    “Khong thu phi xu ly ho so”

  • lottefinance.vn/web/loan/loanMainList checked September 26, 2026

    Backs: Purpose, Term

    “Lai suat co so - Vay mua nha/xe o to (base interest rate for house/car loans)”

  • lottefinance.vn/web/loan/loanProcess checked September 26, 2026

    Backs: Arrangement fee, Origination fee (%)

    “Ban khong phai thanh toan bat ky khoan phi nao cho viec dang ky khoan vay”

  • lottefinance.vn/web/service/customer/termAndCond/loanTnC checked September 26, 2026

    Backs: Eligibility, Free early repayment, Legal entity, Lender type, Pricing model, Rate type, Use cases

    “Khach hang van duoc quyen tra no truoc han nhung phai thanh toan khoan tien lai theo toan bo Thoi han cho vay”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Credit check, Funding time, Representative example.

Lotte Finance VN

Individuals in Viet Nam wanting a fixed-rate personal, car or buy-now-pay-later loan with no arrangement charge.

9.0/10See alternatives