Finance for everyone,
Anytime anywhere
Spean Luy— All-in-one finance app
About Us
Established in 2017, Spean Luy is a Japanese fintech company in Cambodia, dedicated to bridging the financial inclusion gap for Cambodians. Our mobile app enables individuals and small businesses to gain instant credit access without extensive documentation, collateral, or guarantors. We strive to make borrowing easy and convenient by offering quick, flexible loans and buy-now-pay-later. Through innovation and compassion, we are committed to empowering communities and improving lives. As we continue to grow, our mission remains focused on expanding financial opportunities for all Cambodians.
Spean Luy App
A single platform for credit, shopping, and more
Spean Loan
Get instant credit up to $1,000 in just two minutes.
Spean Loan is a quick, easy borrowing service that does not require collateral, guarantors, or office visit. Borrow anytime, anywhere in app.
Spean Buy
Buy now and pay later in simple installment.
Spean Buy is an online installment service within your credit line, available at over 1,300 partner stores in Cambodia. Enjoy a more flexible way to shop.
Spean Shop
Find and buy items directly in the Spean Luy app.
Spean Shop is an e-commerce platform that provides a convenient shopping experience—from browsing to checkout—all in one place. Buy what you need and pay easily through Spean Luy.
Other Services
Get even more benefits right from your phone—whether you’re looking to check your credit score, learn about better money management, or run a small business more efficiently.
Spean Score
The first credit scoring model in Cambodia, rewarding responsible repayment behavior with higher points and more benefits—all visible in the app.
Sala Luy
A financial education media within the app, featuring over 400 articles on saving, borrowing, insurance, and more to help improve your financial literacy.
Spean for Merchant
A dedicated app that lets Spean Buy registered merchants effortlessly track transactions, manage revenue, and receive payments in one convenient place.
Testimonials
Our Spean Family shares heartfelt experiences about the support and care they’ve received. From easy loan processes to fast approvals, we’re proud to be a trusted part of their journey, offering transparent and reliable solutions that feel like home. Together, we grow stronger.
“ខ្ញុំកំពុងបើកហាងលក់បន្លែតូចមួយនៅភ្នំពេញ។ នៅពេលដែលខ្ញុំទទួលបានការកម្ម៉ង់ទិញដោយខ្ញុំមិនមាន ប្រាក់គ្រប់គ្រាន់ខ្ញុំក៏ខ្ចីលុយពីស្ពាន។ ខ្ញុំចូលចិត្តសេវាកម្មព្រោះខ្ញុំអាចទទួលបានសាច់ប្រាក់ភ្លាមៗដោយគ្មានឯកសារ។ រឿងល្អមួយទៀតគឺខ្ញុំអាចកសាងប្រវត្តិឥណទានរបស់ខ្ញុំជាមួយស្ពានដើម្បីខ្ចីប្រាក់កាន់តែច្រើន ជាមួយនឹងការប្រាក់ទាប។ ខ្ញុំសូមណែនាំអ្នកទាំងអស់គ្នាអោយប្រើសេវាកម្មស្ពាន។”
វុធី
User since 2022
“បងស្រីរបស់ខ្ញុំមានគ្រោះថ្នាក់ចរាចរណ៍។ ខ្ញុំបានខ្ចីលុយ 100 ដុល្លារពីស្ពានហើយអាចយកគាត់ទៅមន្ទីរពេទ្យ។ យើងសប្បាយរីករាយណាស់ដែលមានលទ្ធភាពទទួលបានប្រាក់ភ្លាមៗនៅពេលមានអាសន្ន។”
