Efektivos

Features Efektivos

Efektivos is a Fintech company that puts at your fingertips the opportunity to request credits completely digitally.
Forget queues, stationery and having to go to an agency.
Now you can request your credit from anywhere.How does it work?1.
Download our app.2.
Complete your profile.3.
Request your credit and wait for the direct disbursement to your bank account.4.
As you pay your credits, you will access larger amounts.Credit payments are made to our bank accounts and you must notify them through our application.About our LoansEfektivos clients will be able to choose the term of their loan through the different options that we offer.
Minimum payment term is 90 days and maximum term is 120 days.• In the 120-day loan option, they have a single service commission of 60%*.• A representative example of the total cost of the loan including fees and interest: For a 120-day loan of Q1,000.00, the total commission to be paid will be Q600.00, making a total payment of Q1,600.00• APR (Maximum Annual Interest Rate, which includes interest rate and all annual costs): 300%.• For loans with a duration of 120 days, the maximum repayment period is 120 days.
All our loan offers have the option to repay in a minimum of 90 days.* Depending on the amount of the loan for which it has been approved, the client can choose between different terms that we have to be able to pay their loan.We will request the following permissions:1.
Access to your camera: so you can send photos of your stationery.2.
Location: to know that it is really you who is requesting your loan.We will not share the information with anyone and it will always be protected under high security standards.