Restructure your debt. Unlock new possibilities.

Overview

The Transfer Loan is designed for customers who currently hold a loan with another financial institution. By transferring to iM Lao Microfinance, you can benefit from lower interest rates, monthly payment reduction, and the option to refinance or restructure your debt—all payable in LAK currency. Qualified customers may also request additional loan top-up to support new financial needs.

1. Key Features

• Debt restructure to reduce the monthly payment
• Competitive interest with flexible terms
• Repayment in LAK currency
• Option to request additional loan
• Fast approval and transfer process

2. Eligibility

• Individual & legal entity
• All citizen aged 18+
• Must own a vehicle registered under your name
• Valid ID/business license
• Basic financial documentation

3. For individual

• Copy of ID or Passport
• Copy of Family Book
• Original copy of certificate of residence
• House and/or business map
• Proof of car purchase, occupation / income / bank statement (6 months) – if any

4. For legal entity

• Copy of enterprise registration certificate or business license
• Copy tax payment certificate
• Original copy of certificate of residence
• House and/or business map
• Proof of car purchase, occupation / income / bank statement (6 months) – if any