HT loan is a peer-to-peer lending platform that connects borrowers with lenders.
We provide a secure and transparent way for individuals to access loans or earn
interest by lending money to creditworthy borrowers.
HT Loan operates as a marketplace where:
Borrowers apply for loans with their requirements
Lenders review loan applications and fund them
Borrowers repay with interest over time
Lenders earn returns on their investments
Registration & Accounts
To register as a borrower:
Click on "Sign Up" and select "Apply for a Loan"
Fill in your personal details
Provide necessary identification documents
Set up your account security
Verify your email address
Complete your profile to apply for loans
To become a lender on HT loan:
Click on "Sign Up" and select "Lender Register"
Complete the lender application form
Provide company details (if applicable)
Submit required business documents
Wait for verification (typically 1-2 business days)
Once approved, you can start funding loans
For borrowers:
Valid government-issued ID (NRC, passport, driver's license)
Proof of income (payslips, bank statements)
Utility bill for address verification
For lenders:
Company registration documents (if applicable)
Bank account details
Tax identification number
Personal identification documents
For Lenders
Our lender approval process:
Submit complete registration with all required documents
Our team verifies your identity and documents (1-2 business days)
Background and financial checks are performed
Upon approval, you'll receive lender dashboard access
You can then review and fund loan applications
Note: We reserve the right to decline applications without explanation.
HT loan performs comprehensive verification of all borrowers including:
Identity verification through government-issued IDs
Income verification via bank statements and employer checks
Credit history assessment (where available)
Address verification through utility bills
Employment verification for salaried borrowers
As a lender, you can view the verification status of each borrower in their profile.
For Borrowers
Loan approval times vary depending on several factors:
Instant decisions: Some loans may be approved within minutes if all verification is complete
Standard processing: Typically 1-3 business days for full verification
Complex applications: May take up to 5 business days if additional documentation is required
You'll receive notifications at each stage of the process.
Your Lendbox credit score is based on:
Payment history (35%): Your track record of repaying loans
Credit utilization (30%): How much credit you're using vs. available
Credit history length (15%): How long you've had credit accounts
Credit mix (10%): Variety of credit types you have
New credit (10%): Recent credit inquiries and accounts
Maintaining good repayment habits will improve your score over time.
