Prestoya is here to help Colombians solve financial problems quickly and easily. Apply for an unsecured loan online through our 3-step process. Get up to 1,200,000 pesos in just 30 minutes with direct deposit and hidden fees. Our customer service team will be available for any questions you may have. Do not let economic problems affect you, apply for your loan in Prestoya and get the help you need.
Requirements
1. Colombian resident with Cedula de Ciudadania
2. Over 18 years of age.
3. Have a mobile number and stable income.
4. Have a bank account with Bancolombia, Nequi, etc.
Advantages of Prestoia
-We are here to offer online service 24 hours a day, 7 days a week, without the need for collateral for ordinary borrowers in Colombia.
-Our application process is extremely simple. You only have to follow three steps: submit your application online, and in a short time you will be able to obtain your loan. In addition, we guarantee a fast deposit into your account in just 30 minutes without any hidden charges.
-Our security systems and measures are designed to ensure the protection of information and provide peace of mind to our customers. You can be confident that at Prestoya your personal data is safe and protected.
Amount, tenure, fees and charges
Loan amount: from COP $50,000 to COP $1,500,000 pesos;
Terms: 91 days - 120 days
Interest rate: 0.06% per day (maximum annual interest rate is 24%, equivalent monthly interest rate of 1.8% only);
Platform: It is a COP $300,000 service which can be used optionally by our clients, which will allow them to save money and time in necessary paperwork and on which they can receive promotional discounts in a range of COP $10,000 to COP $290,000 that correspond to discounts such as financial inclusion.
Value Added Tax (VAT): 19% VAT is applied on the commission according to the policy and laws of Colombia;
APR: up to 85.69%(TEA)
Example
For example, for a 91-day loan of COP $100,000 for 3 months (at an annual interest of 25.55%). The monthly payment will be COP $40,881 (EMI) and the total amount of the payments will be COP $122,643;
Interest: COP $100,000 * 24% / 365 * 91 = COP $59.83;
Platform: COP$300,000; Discounts: COP $286,000; Platform Fee: COP $$ 300,000 - COP $$286,000 = COP $$ 14,000
VAT: 19% * Platform = 19% * COP $14,000 = COP $2,660;
The total amount to be paid = loan amount + Interest + commission + VAT = COP $100,000 + COP $59.83 + COP $14,000 + COP $2,660 = COP $122,643;
EMI = COP$40,881;
APR = This would translate into a TEA (Annual Effective Rate) of 85.69%.
Payment Methods
We have several forms of payment Colombian PSE / Nequi / Efecty and you can choose the form that best suits you.
Privacy
We are a company committed to the privacy and security of our customers. That's why we take steps to protect your personal data using advanced and secure bank-grade technology.
We never share or disclose our customer data to third parties without their consent and only do so when necessary to provide our services or for legal reasons. Our Privacy Policy is available on our official page and details all the measures and resources that we take into account to guarantee the privacy of our customers.
If you have any questions or concerns about our Privacy Policy, do not hesitate to contact us by email. We will be happy to help you at all times and do everything possible to protect and safeguard your personal data from any form of threat.
URL of our privacy policy: https://www.prestoya.co/h5/laprivacidad.html
Contact us：
Customer service hotline: 6015086188
Email: atc@prestoya.co
Requirements
1. Colombian resident with Cedula de Ciudadania
2. Over 18 years of age.
3. Have a mobile number and stable income.
4. Have a bank account with Bancolombia, Nequi, etc.
Advantages of Prestoia
-We are here to offer online service 24 hours a day, 7 days a week, without the need for collateral for ordinary borrowers in Colombia.
-Our application process is extremely simple. You only have to follow three steps: submit your application online, and in a short time you will be able to obtain your loan. In addition, we guarantee a fast deposit into your account in just 30 minutes without any hidden charges.
-Our security systems and measures are designed to ensure the protection of information and provide peace of mind to our customers. You can be confident that at Prestoya your personal data is safe and protected.
Amount, tenure, fees and charges
Loan amount: from COP $50,000 to COP $1,500,000 pesos;
Terms: 91 days - 120 days
Interest rate: 0.06% per day (maximum annual interest rate is 24%, equivalent monthly interest rate of 1.8% only);
Platform: It is a COP $300,000 service which can be used optionally by our clients, which will allow them to save money and time in necessary paperwork and on which they can receive promotional discounts in a range of COP $10,000 to COP $290,000 that correspond to discounts such as financial inclusion.
Value Added Tax (VAT): 19% VAT is applied on the commission according to the policy and laws of Colombia;
APR: up to 85.69%(TEA)
Example
For example, for a 91-day loan of COP $100,000 for 3 months (at an annual interest of 25.55%). The monthly payment will be COP $40,881 (EMI) and the total amount of the payments will be COP $122,643;
Interest: COP $100,000 * 24% / 365 * 91 = COP $59.83;
Platform: COP$300,000; Discounts: COP $286,000; Platform Fee: COP $$ 300,000 - COP $$286,000 = COP $$ 14,000
VAT: 19% * Platform = 19% * COP $14,000 = COP $2,660;
The total amount to be paid = loan amount + Interest + commission + VAT = COP $100,000 + COP $59.83 + COP $14,000 + COP $2,660 = COP $122,643;
EMI = COP$40,881;
APR = This would translate into a TEA (Annual Effective Rate) of 85.69%.
Payment Methods
We have several forms of payment Colombian PSE / Nequi / Efecty and you can choose the form that best suits you.
Privacy
We are a company committed to the privacy and security of our customers. That's why we take steps to protect your personal data using advanced and secure bank-grade technology.
We never share or disclose our customer data to third parties without their consent and only do so when necessary to provide our services or for legal reasons. Our Privacy Policy is available on our official page and details all the measures and resources that we take into account to guarantee the privacy of our customers.
If you have any questions or concerns about our Privacy Policy, do not hesitate to contact us by email. We will be happy to help you at all times and do everything possible to protect and safeguard your personal data from any form of threat.
URL of our privacy policy: https://www.prestoya.co/h5/laprivacidad.html
Contact us：
Customer service hotline: 6015086188
Email: atc@prestoya.co
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