Estimated fuel and maintenance savings before loan repayments, nearly offsetting loan payments over the reference period. Source reference: ICCT (2023).
Program & model
Green finance built around
how women earn.
côLoan coordinates a partner model linking one applicant, one licensed lender, one electric vehicle and one livelihood journey. Credit decisions always remain with the lender.
The connected journey
From daily income to
a more resilient livelihood.
Each organisation has a distinct role. côLoan coordinates the journey; licensed partners provide regulated financial services.
- 01
A single green-livelihood questionnaire
The applicant shares her work, income, mobility and contact information through côLoan’s Vietnamese questionnaire. côLoan does not charge an application fee.
- 02
A licensed lender assesses the application
côLoan connects the application with a participating finance company. The lender independently evaluates the file and decides whether to approve it, together with pricing and repayment terms.
- 03
The vehicle becomes a working asset
Electric-vehicle and mobility partners support access to a motorbike through the partner-store network. The reference programme runs for 24 months, subject to the lender’s contract.
- 04
On-time repayment can unlock Green Rewards
Eligible borrowers can receive cash rewards at Month 2 and Month 13, with a total combined ceiling of up to 1,000,000 VND across both milestones. This is not a reduction in the lender’s interest rate.
Reference economics
40K VND*A daily instalment designed around daily earnings.
*A reference instalment proposed by lending partners. The final amount, interest rate and schedule are determined by the lender and stated in the loan contract.
Green Rewards for eligible on-time borrowers across Month 2 and Month 13, not per milestone.
Who the model is for
Women whose work
keeps cities moving.
The initiative is designed for women workers in Vietnam, including ride-hailing and delivery drivers, market vendors and self-employed workers with variable or informal income.
côLoan welcomes applications without guaranteeing an outcome. The licensed lending partner reviews each file and makes the final credit decision.
What coordination means
- One clear entry point for the applicant
- A lender responsible for regulated credit
- Vehicle and store partners supporting access
- A programme-level incentive for eligible repayment
côLoan does not issue credit, set interest rates or guarantee approval.
Network access
292 partner stores.
Two launch cities.
The current store network serves Hanoi and Ho Chi Minh City, connecting approved borrowers with participating electric-vehicle retailers.
Hanoi
Partner-store access alongside the city’s developing low-emission transport roadmap.
Ho Chi Minh City
A second launch market for women seeking a practical transition to electric mobility.
Policy context
Preparing early for
a lower-emission future.
côLoan frames transport electrification as a livelihood-preparation opportunity, not a reason for alarm.
Directive 20/CT-TTg
National direction to strengthen responses to environmental pollution and accelerate cleaner transport.
Hanoi pilot
Resolution 57/2025/NQ-HĐND introduces a low-emission-zone pilot around Hoàn Kiếm, rather than a blanket inner-city petrol-motorbike ban.
Phased expansion
Hanoi’s roadmap expands restrictions across Ring Roads 1 and 2 from 2028 and Ring Road 3 from 2030. Ho Chi Minh City is still developing its proposal.
Policy references: Directive 20/CT-TTg (12 July 2025), Hanoi People’s Council Resolution 57/2025/NQ-HĐND (26 November 2025), and Decision 876/QĐ-TTg.
Build the next chapter with us
Let’s make green livelihoods more accessible.
For institutional partnerships, lending, mobility, research or media enquiries, contact the côLoan team.