LALCO CONNECT Mobile App - User Guide

What is LALCO Connect?

Brief overview of the app

LALCO Connect is a mobile application that helps you manage your account, make payments, and access services easily. It provides a convenient way to stay connected with LALCO anytime, anywhere from your smartphone.

Key features at a glance

Who should use this app

This app is for:

System requirements

First Time Users

How to download the app

Go to Google Play Store (Android) or App Store (iOS) Search for "LALCO Connect"

Tap "Install" or "Download" Open the app after installation

 

Registration process

 

 

Login Process

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Steps for login :

  1. Enter phone number
  2. Enter password / PIN                                                                                                      
  3. (Optional) Forgot pssword?
  4. Tap Login/ Access account

Wrong Credentials :

If the phone number or password/PIN is incorrect,

an error message will appear,

e.g.: “Incorrect phone number or password. Please try again.”

Actions for the user:

 Check phone number – Ensure it’s correct and includes the country code if required.

 Check password/PIN – Re-enter carefully (watch for caps lock or extra spaces).

 

Use “Forgot password?” :

Tip for guide users:

Always make sure your internet connection is active. If repeated failures occur, contact support/helpdesk.

Sign In Process

Step 1: Personal Information

  1. Enter your phone number
  2. Include country code if required

Step 2: Address Details

  1. Provide your address information
  2. Fill in required location feilds

Step 3: Password Setup

  1. Create a strong password
  2. Confirm your password (Re enter your pssword)
  3. Tick to agree terms & privacy policy
  4. Tap "create account" to create your account

 

 

Home Dashboard

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My Loans

My Loans is your central hub to view and manage all existing loan accounts. This section displays your loan information but does not allow new loan applications.

What You Can Do :

 

Important Note:

This is a view-only section. To apply for new loans, use the "Apply" button from the bottom navigation or Home page

Applying for new Loans

Step 1: Basic Information

  1. Select loan type (SME Car, New Business Loan, Trade Finance, etc)
  2. Choose currency (USD, THB,LAK)
  3. Enter desired loan amount
  4. Select loan duration 
  5. Note: You can change this later during review
  6. Tap "Continue" to proceed

Step 2: Employment Details

  1. Select employment status : 
        1. Salaried
        2. Self Employed
  2. Enter employer name or business name
  3. Provide your monthly income amount
  4. Tap "Continue" to proceed
  5. Or tap "Back" to edit previous information

Step 3: KYC (Know Your Customer)

  1. Select document type: 
    1. NIC
    2. Passport
    3. Driving License
  2. Enter your identification number
  3. Tap "Continue" to proceed
  4. Or tap" back" to edit previews information

Step 4: Review Application

  1. Check all entered information
  2. Read terms and conditions
  3. By submitting you agree to terms and authorise lalco to verify your information
  4. Tap submit application to complete
  5. or tap back to edit any information

 

 

Making Payments

Step 1: Access Payment Screen

1.  Tap "Pay EMI" from bottom navigation

2. Or tap "Pay Now" button from anywhere in the app

Step 2: Attach Payment Evidence

1.  Tap "Attach Evidence" button

2. Choose evidence type:

a. Image - Upload receipt photo

b. PDF - Upload document

3. Select file from your device

4. Evidence can be: receipt, bank slip, or transfer confirmation

 

Step 3: Extract Information (Auto-fill)

1.  After uploading receipt, tap "Extract Image" button

2. System automatically reads and fills:  Contract No

 Payment amount

  Currency

 Transaction date

 Reference number

 

 

Step 5: Review and Submit

1.   Double-check all information:

2. Payment amount

3. Contact number

4. Reference details

5.  Attached evidence

6. Verify everything is correct

7.  Tap "Submit Evidence" button to complete

IMPORTANT:

Confirm all details match your payment If information is incorrect:

Payment Schedule

Payment Schedule is a display-only section that shows your complete EMI payment timeline. This is not a function to perform actions - it's for viewing your payment plan and history.

Payment Timeline

 Complete list of all EMI installments

 Payment dates for each installment

 Amount due for each payment

 Payment status (Paid/Pending/Upcom ing)

Filter Options

Loan Information

Payment Breakdown Each installment row shows:

 EMI date

 Principal amount

  Interest amount

 Total EMI

 Outstanding balance

  Payment status

 

 

Summary Cards

 Total Principal  Total Interest  Total Amount  Grand Total

My Profile

Step1 : Open your profile

  1.  Tap "Profile" icon from bottom navigation bar
  2. Or tap profile icon in top right corner of any screen

Your profile displays:

Personal details : 

Changing Your Password

Step 1: Access Password Change Form

1.  Scroll down in Profile section

2. Find "Change Password" section

Step 2: Enter Current Password

1.  Tap on "Current Password" field

2. Type your existing password

3. Tap eye icon to show/hide password for verification

Step 3: Enter New Password

1.  Tap on "New Password" field

2. Type your new password

3. Tap eye icon to show/hide password

Step 4: Confirm New Password

1.  Tap on "Confirm New Password" field

2. Re-type your new password exactly

3. Tap eye icon to show/hide password

Make sure it matches your new password

Step 5: Submit Changes

 

1.   Review all three fields

2. Ensure new passwords match

3. Tap green "Update Password" button

4. Wait for confirmation message

5.  Step 6: Confirmation

6. Success message will appear

7.  You'll remain logged in

8. Use new password for next login

 

Password Security Guidelines

 

Creating a Strong Password:

1.  Use at least 8 characters

2. Include uppercase and lowercase letters

3. Add numbers (0-9)

4. Include special characters (@, #, $, %, etc.)

5. Avoid common words or patterns

 

Password Safety Tips:

 Never reuse old passwords

 Don't share your password with anyone

 Change your password regularly (every 3-6 months)  Don't write it down in unsecure places

  Don't use easily guessable information (birthdate, name, etc.)

 

If You Forget Your Password:

 Use "Forgot Password?" option on login screen  Follow password reset instructions

Check your registered email or phone for reset link

 

 

Additional Profile Features

 

Settings Access:

 App preferences

 Notification settings  Language selection

 Security options

 

Help & Support:

 Contact customer service  FAQs

 App version information

 

Logout:

  Tap logout button to sign out securely

  You'll need to login again to access your account

 

 

 

EMI Calculator

Step 1: Access Calculator

  1. Tap EMI calculator from home page quick accsess
  2. or find it in the main menu

Step 2: Choose loan type

  1. Select calculation method : 
    1. Normal: Stndard calculation
    2. Bullet: Interest only payments

Step 3: Select currency

  1. Choose your currency: LAK - Lao Kip , USD - US Dollar

Step 4: Enter loan details

  1. Type the amount you want to borrow
  2. Enter the interest rate
  3. Enter loan duraton in months

Step 5: View result

The calculator instantly shows:

Estimated EMI:

Total Interest:

Step 6: View Detailed Breakdown (Optional)

  1. Tap "View Amortization" button
  2. See month-by-month payment schedule
  3. Check how much goes to principal vs interest each month

KYC UPDATE

 

What is KYC?

KYC (Know Your Customer) is a verification process to confirm your identity and address.

 

Why it's required:

 Legal compliance with financial regulations

 Protect your account security

 Prevent fraud and identity theft

 Required for loan approvals

 

 

When to update:

 First time registration

 When documents expire

 When personal information changes

  When requested by LALCO

 


KYC Update Process Overview

Quick 4-step verification:

Selfie - Upload your photo

ID Card - Upload identification document Document - Proof of address

Face Verify - Live face scan verification Progress tracker shows which step you're on.

 

Step 1: Upload Selfie

          1.  Tap "KYC Update" from Home page Quick Access
          2.  You'll see Step 1: Selfie screen
          3. Tap green "Camera" button
          4.  Take a clear selfie photo
          5.   File status changes from "No file selected" to uploaded
          6.  Tap "Continue" to proceed

             

             

Step 2: Upload ID Card

1.  Select your ID type by tapping checkbox:

a. National ID

b. Passport

c. Family Book

2. Upload Front Side:

a. Tap "Camera" button under "Front Side"

b. Take photo of front of your ID

c. Ensure entire card is visible

3. Upload Back Side:

a. Tap "Camera" button under "Back Side"

b. Take photo of back of your ID

c. Ensure entire card is visible

Tap "Continue" to proceed

Selfie Requirements:

    Face clearly visible and centered

  Good lighting (no shadows)

    No sunglasses, hats, or masks

       Look directly at camera

    Plain background preferred

ID Card Photo Tips:

    All details must be clearly visible

     No glare, shadows, or reflections

   Entire card must fit within frame

    Photo should be clear and focused

    Lay card on flat, dark surface

 

Document Requirements:

Must be recent (within 3 months) Your name must match ID

Full address clearly visible

Not handwritten (printed documents only)


Step 3: Upload Proof of Address

1.  You'll see "Step 3: Proof of Address" screen

2. Upload Document:

a. Tap "Camera" button to take photo, OR

b. Tap "File" button to upload PDF/JPG from device

3. Confirm accuracy:

a. Tick the checkbox: "I confirm the information is accurate"

b. Tap "Continue to Face Verification"

 

Document Requirements:

Must be recent (within 3 months) Your name must match ID

Full address clearly visible

Not handwritten (printed documents only)

 


Step 4: Live Face Verification

 

1.  You'll see "Live Face Verification" screen with instructions

2. Read scanning instructions:

a. Position your face in the circle

b. Slowly move your head in a circular motion

c. Keep your face visible during the 3-second scan

3. Review preview:

a. Check selfie and ID document thumbnails at bottom

b. Tap "Reset" if you need to start over

c. Start verification:

d. Tap green "Start Live Face Verification" button

e. Camera will open automatically

4. During scanning:

a. Center your face in the circle on screen

b. Slowly rotate your head in circular motion

c. Follow on-screen prompts

d. Keep still when instructed

e. Wait for scan to complete (3 seconds)

5. Submit:

a. After successful scan, tap "Submit Verification" button

b. Wait for confirmation message

 

 

Face Verification Tips:

    Find good lighting (face camera toward light)

     Remove glasses if possible

Remove hat or head covering

Ensure face is clearly visible

  Follow instructions carefully

Stay still during scan

 

After KYC Submission

 

 

 Processing Time:

 Verification typically takes 1-3 business days  You'll receive notification when approved

 Check Verification Status:

  Go to Profile section

 Look for KYC status indicator

 If Verification is Rejected:

  You'll receive notification explaining reason

 Common reasons: blurry photos, incorrect documents, information mismatch

 Resubmit with correct documents  Follow instructions carefully

 When to Update Again:

 When documents expire  If address changes

 If requested by LALCO

  At least every 2 years for compliance

 

Important Notes:

    All 4 steps must be completed

    Documents must be valid and current

    Information must match across all documents     Cannot skip any steps

             Keep documents ready before starting

 

 

Promotions & Offers

Browse current deals and special offers on LALCO loan products.

View-only section for available promotions.

 

 

Access

1.  Tap "LALCO Promotions" from Home page

2. Or access from main menu

 

Filter Options

1.  By Product: All, SME Car, Trade Finance, New Business Loan

2. By Time: Latest, Ending Soon

 

What You See

  Promotion title and benefits

 Discount rates or special terms  Validity dates

 Terms and conditions

 Apply/Learn More buttons

 

 

No Promotions?

"No promotions found" message appears. Check back for new offers. Note: All promotions subject to terms and conditions.

Support & Help

Get help and contact LALCO customer support through multiple channels.

 

Quick Contact :

Call Support button - Direct call

Open WhatsApp button - Chat support

 

 

 

 

 

 

 

 

 

 

 

 
-WhatsApp Support Chat


Self-Service Options

    Raise Ticket - Submit support requests

    Track Requests - Check inquiry status

    FAQs - Common questions and answers

    Branch Locator - Find nearest branch

 

1.  How do I pay my EMI?

2. How do I update KYC?

3. I missed an EMI. What now?

4. Tap any FAQ to view the answer.

Raise a Ticket

Raise a Ticket

 1.  Describe Your Issue - Enter your problem in the text field (max 300 characters)

2. Submit - Tap the green "Submit Ticket" button

3. Done - Your ticket is sent to support

 

Track Requests

  1. View Status - See all your submitted tickets here
  2. Check Updates - Monitor responses from the support team
  3. Empty State - "No requests found" appears when you have no

Tips & Best Practices

 Loan Management

 Pay EMIs before due date

 Check payment schedule regularly  Save all payment receipts

 Keep KYC information updated  Review balance monthly

 

Security

 Use strong password (letters, numbers, symbols)  Never share login details

 Change password every 3-6 months  Always logout after use

 Keep app updated

 

Making Payments

 Verify loan number and amount before paying  Upload clear receipt photos

 Include bank reference numbers

  Allow 1-2 days for payment processing

 

Applying for Loans

 Provide accurate information  Submit clear documents

 Use EMI calculator first

 Review application before submitting

Troubleshooting

Login Issues

 Cannot Login:

 Check phone number is correct  Verify password (case-sensitive)  Use "Forgot password?" to reset  Check internet connection

  Clear app cache or reinstall

 Forgot Password:

 Tap "Forgot password?" on login  Follow reset instructions

 Check phone/email for reset code  Create new password

Payment Issues

 Payment Not Showing:

 Wait 1-2 business days for processing  Check payment schedule for updates

 Verify bank transaction was successful  Upload clear payment receipt


  Contact support with reference number

 Upload Failed:

 Check internet connection  File size max 5MB

 Use JPG, PNG, or PDF format  Take clear photos

 Retry later

 

 

Account Issues

 Account Locked:

 Wait 30 minutes after failed login attempts  Use "Forgot password?" to reset

  Contact support for help

 

Cannot Update Information:

 Fill all required fields

 Check correct format (phone, email)  Check internet connection

 Contact support if continues  Application Issues

 

Application Stuck:

 Check status in "Pending" tab  Wait 2-3 business days

 Check for document requests  Contact support for update

 

  Cannot Submit Application:  Complete all required fields  Verify KYC status

 Check documents uploaded  Check internet connection  Review error messages

 Save draft and retry

 

 

General Tips

 Check internet connection first  Update app to latest version

 Contact support: +91 80-10-60

 Have loan/reference number ready

Frequently Asked Questions (FAQs)

General Questions

 

Q: What is LALCO Connect?

A: LALCO Connect is a mobile application that allows you to manage your loans, make payments, and apply for new loans conveniently from your phone.

 

Q: Is LALCO Connect free to use?

A: Yes, the app is free to download and use.

 

Q: Which devices are supported?

A: LALCO Connect works on Android (version 8.0+) and iOS (version 12.0+) devices.

 

Q: Is my information secure?

A: Yes, we use bank-level encryption and security measures to protect your data.

 

Account & Login

 

Q: How do I create an account?

A: Tap "New here? Register" on the login screen and follow the registration process.

 

Q: I forgot my password. What should I do?

A: Tap "Forgot password?" on the login screen and follow the reset instructions.

 

Q: Can I change my phone number?

A: Contact LALCO support to update your registered phone number.

 

Q: How do I change my password?

A: Go to Profile → Change Password, enter current password and new password.

 

Loans

 

Q: How do I check my loan balance?

A: Go to Home dashboard to see all loan summaries, or tap "Loans" for detailed information.

Q: What does "Total Remaining" mean?

A: This is the total outstanding balance across all your active loans.

 

Q: Where can I see my full payment schedule and next due date?

A: Open Home → Payment Schedule. Tap any Contract to see details and status.

 

Q: What are the different loan statuses? A: Active: Currently ongoing loans Pending: Applications awaiting approval Refinance: Restructured loans

Closed: Fully paid loans

 

Q: Can I have multiple loans at the same time?

A: Yes, subject to eligibility and approval by LALCO.

 

 

Payments

 

Q: How do I pay my EMI? A:

Tap "Pay EMI" from bottom navigation Select contract number

Upload payment receipt Fill in payment details Submit evidence

 

Q: What payment methods are accepted? A: Bank transfer, cash deposit at branches, mobile banking. Upload proof of payment in the app.

 

Q: How long does it take for payment to reflect? A: Payments typically reflect within 1-2 business days after submission of evidence.

 

Q: Can I pay early or pay more than the minimum? A: Yes! You can make early payments or pay more than the minimum EMI. Check for early payment discounts.

 

Q: I missed an EMI. What now?

A: Pay as soon as possible to avoid additional penalties. Check your payment schedule for updated penalty amounts.

 

Q: What if payment succeeded but the app still shows "Due"?

A: Wait 1-2 business days for processing. If still not updated, contact support with your payment reference number.

 

Q: What currencies can I use for payment?

A: USD, LAK, and THB (depending on your loan agreement).

 

Q: How do early payment discounts work?

A: Check Notifications and Promotions for current discount offers. Discounts are applied when you pay early or in full.

 

EMI Calculator

 

Q: What is the EMI Calculator? A: A tool to estimate your monthly payment amount based on loan amount, interest rate, and tenure.

 

Q: What's the difference between Normal and Bullet loans? A: Normal (reducing): Standard EMI with principal + interest Bullet (interest-only): Pay interest monthly, principal at end

 

Q: Can I apply for the loan after calculating?

A: Yes, use the calculator to estimate, then proceed to "Apply Loan" to submit application.

19.6 KYC (Know Your Customer)

 

Q: What is KYC? A: Know Your Customer verification - a legal requirement to confirm your identity.

 

Q: When do I need to update KYC?

A:

When first registering When documents expire

What To Expect

What We Expect From You

What We Expect From You

Timely Payments Pay your EMIs before the due date to avoid penalties. Accurate Information Provide correct details and update when things change.

Documents Submit valid, readable documents when requested. Stay Connected Keep your phone number active and check notifications regularly. Follow Terms Use the loan as agreed and follow loan conditions.

What You Can Expect From Us

Quick Service Fast application processing and timely approval updates. Clear Information Transparent loan terms with no hidden charges.

Safe & Secure Protected transactions and private data handling. Helpful Support Available support through phone, WhatsApp, and app. Easy to Use Simple app design and straightforward payment process.

Fair Treatment Professional service and flexible solutions when needed.

 

Contact & Support

 

Need Help?

Phone: Monday - Friday, 8:00 AM - 5:00 PM WhatsApp: Quick chat support

In-App: Tap "Support" for tickets, FAQs, and branch locator

 

Quick Tips

Enable notifications for reminders Keep app updated

Save payment receipts Update KYC when needed

 

 

 

 

 

 

 

 

 

Thank you for choosing LALCO Connect! Simple. Secure. Convenient.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Version 1.0 | © 2026 LALCO