VivaPlata - Préstamo Personal
VivaPlata
VivaPlata: Your digital solution for personal loans in Colombia. Get immediate financing for your goals and needs through a 100% online, secure platform designed to give you the peace of mind your wallet deserves.
📋 Application Requirements
- Age: 18 to 55 years old (Colombian citizens)
- Identification: Valid Colombian National Identity Card (Cédula de Ciudadanía)
- Income: Must have a stable source of income or employment
- Bank Account: Must have an account with Bancolombia, Nequi, or other partner banks
🚀 Application Process (100% Online)
1. Download the App: Install VivaPlata from Google Play
2. Register your account: Verify your mobile phone number
3. Complete your application: Simple, paperless form
4. Review and Approval: Automatic validation in just 10 minutes
5. Disbursement: The money is transferred immediately to your bank account
✅ Main Advantages
• No collateral or upfront payments
• Secure and transparent process: Full access to all details of flexible loans
• Approval in minutes: We provide immediate confirmation and will contact you within minutes
📊 Loan Details
VivaPlata's credit products strictly comply with the requirements of the SIC, guaranteeing terms exceeding 90 days and a total annualized cost not exceeding 36%.
💡 Example Loan Costs (COP $500,000 for 91 days)
This example shows the calculation for a COP $500,000 loan with a 91-day term:
- Loan Amount: COP $500,000
- Term: 91 days
- Daily Interest Rate: 0.05% (equivalent to 18.25% annual)
Calculation:
- Interest: $500,000 × 0.05% × 91 = $22,750
- VAT (19%): 19% × $22,750 = $4,322.50
- Total to Pay: $500,000 + $22,750 + $4,322.50 = $527,072.50
- APR (Annual Percentage Rate): 18.25% (Complies with the ≤36% limit)
🔄 Payment Methods
- Manual Payment:
- Transfer via PSE or Bancolombia online banking
- Cash payment at Efecty locations (with payment reference code)
⚖️ Compliance Commitment
Regulated Term: Loan period ≥91 days
Regulated Rate: Strict compliance with SIC regulations, APR ≤36%
Cost Transparency: All charges disclosed in advance
Data Protection: Compliant with SIC credit data regulations and the GDPR standard for international transfers
📞 Contact Us
- Customer Service Email: ATC@vivaplata.tech
- Address: Cr 23 No. 2 22, B, Bogotá D.C., Colombia
- Privacy Policy: https://www.vivaplata.tech/contract/Privacy
💎 Summary
At VivaPlata, we maintain the following pillars: Legality, inclusion, and technological innovation.
Through technology, we reduce operating costs and pass these benefits on to our users.
We explicitly reject any hidden fees or abusive collection practices, committed to becoming one of the most trusted credit platforms in Colombia.
Important notice: Credit must be used responsibly. Late payments can negatively impact your credit history and generate late fees.
Download now and experience fast and secure service!
📋 Application Requirements
- Age: 18 to 55 years old (Colombian citizens)
- Identification: Valid Colombian National Identity Card (Cédula de Ciudadanía)
- Income: Must have a stable source of income or employment
- Bank Account: Must have an account with Bancolombia, Nequi, or other partner banks
🚀 Application Process (100% Online)
1. Download the App: Install VivaPlata from Google Play
2. Register your account: Verify your mobile phone number
3. Complete your application: Simple, paperless form
4. Review and Approval: Automatic validation in just 10 minutes
5. Disbursement: The money is transferred immediately to your bank account
✅ Main Advantages
• No collateral or upfront payments
• Secure and transparent process: Full access to all details of flexible loans
• Approval in minutes: We provide immediate confirmation and will contact you within minutes
📊 Loan Details
VivaPlata's credit products strictly comply with the requirements of the SIC, guaranteeing terms exceeding 90 days and a total annualized cost not exceeding 36%.
💡 Example Loan Costs (COP $500,000 for 91 days)
This example shows the calculation for a COP $500,000 loan with a 91-day term:
- Loan Amount: COP $500,000
- Term: 91 days
- Daily Interest Rate: 0.05% (equivalent to 18.25% annual)
Calculation:
- Interest: $500,000 × 0.05% × 91 = $22,750
- VAT (19%): 19% × $22,750 = $4,322.50
- Total to Pay: $500,000 + $22,750 + $4,322.50 = $527,072.50
- APR (Annual Percentage Rate): 18.25% (Complies with the ≤36% limit)
🔄 Payment Methods
- Manual Payment:
- Transfer via PSE or Bancolombia online banking
- Cash payment at Efecty locations (with payment reference code)
⚖️ Compliance Commitment
Regulated Term: Loan period ≥91 days
Regulated Rate: Strict compliance with SIC regulations, APR ≤36%
Cost Transparency: All charges disclosed in advance
Data Protection: Compliant with SIC credit data regulations and the GDPR standard for international transfers
📞 Contact Us
- Customer Service Email: ATC@vivaplata.tech
- Address: Cr 23 No. 2 22, B, Bogotá D.C., Colombia
- Privacy Policy: https://www.vivaplata.tech/contract/Privacy
💎 Summary
At VivaPlata, we maintain the following pillars: Legality, inclusion, and technological innovation.
Through technology, we reduce operating costs and pass these benefits on to our users.
We explicitly reject any hidden fees or abusive collection practices, committed to becoming one of the most trusted credit platforms in Colombia.
Important notice: Credit must be used responsibly. Late payments can negatively impact your credit history and generate late fees.
Download now and experience fast and secure service!
Developer email
atc@vivaplata.org
Developer website
https://www.vivaplata.orgCurrent version
1.1.7
Android version
7.0
Screenshots
