PesoYa
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About the platform
PesoYa is a digital personal loan platform designed exclusively for Colombians. We offer flexible, transparent, and fully regulated credit solutions in partnership with financial institutions authorized by the Financial Superintendency of Colombia. No paperwork, no lines, no hidden costs. The entire process is 100% online: apply in minutes and receive the funds directly into your bank account.
Eligibility Requirements
- Must be a resident of Colombia
- Must be between 18 and 55 years old
- Must have a stable source of income
- Bank account: Compatible with Bancolombia, Nequi, or other partner institutions
Application Process
1. Download: Install the app from Google Play
2. Register: Register with your mobile phone number
3. Apply: Complete the information online, no paperwork required
4. Approval: Automatic verification in 5 minutes
5. Disbursement: The money is transferred immediately to your account
Main Advantages
1. Trusted Loan: Apply based on your credit profile. No collateral or deposits required.
2. 100% Digital Process: All steps are completed paperlessly from your mobile device.
3. Data Security: We do not share your personal data with third parties without your consent. Your information is safe with us.
4. Payment Reminder: We offer text messages to help you avoid late fees.
Loan Product Details
All PesoYa products are governed by the regulations of the Superintendency of Industry and Commerce (SIC) of Colombia.
* Loan Amount: From COP $50,000 to COP $1,200,000.
* Repayment Term: Minimum 91 days, maximum 120 days.
* Interest Rate: 0.05% daily (Maximum Annual Percentage Rate / APR: 18.25%).
* Platform Service Fee: Standard fee of COP $300,000, with a guaranteed discount of up to COP $290,000 depending on credit profile, resulting in a net actual payment of approximately COP $10,000.
* VAT: 19% applicable to interest and service fees. * Maximum Total APR (Interest + Fees): 26.28% (Calculated transparently on the actual cost charged).
💡 Detailed illustrative example of the cost:
For a loan of COP $500,000 with a term of 91 days, where the user qualifies for the platform discount:
* Principal amount requested: COP $500,000
* Regular interest (0.05% daily): COP $500,000 × 0.05% × 91 = COP $22,750
* Platform service fee (with discount applied): COP $300,000 - COP $290,000 = COP $10,000
* Applicable VAT (19%): ($22,750 interest + COP $10,000 platform fee) × 19% = COP $6,222.5
* Total amount to be paid by the consumer: COP $500,000 + COP $22,750 + COP $10,000 + COP $6,222.5 = $538,972.5 COP
* Actual APR for this example: 26.27% (Strictly complies with transparency policies and established limits).
Contact Channels
- Customer Service Email: atc@pesoya.tech
- Office Address: Cr 31 B # 1H - 82, Botaga, Colombia
- Privacy Policy: https://www.pesoya.tech/contract/privacy
- Data Deletion Request: https://www.pesoya.tech/delete-account
PesoYa is a digital personal loan platform designed exclusively for Colombians. We offer flexible, transparent, and fully regulated credit solutions in partnership with financial institutions authorized by the Financial Superintendency of Colombia. No paperwork, no lines, no hidden costs. The entire process is 100% online: apply in minutes and receive the funds directly into your bank account.
Eligibility Requirements
- Must be a resident of Colombia
- Must be between 18 and 55 years old
- Must have a stable source of income
- Bank account: Compatible with Bancolombia, Nequi, or other partner institutions
Application Process
1. Download: Install the app from Google Play
2. Register: Register with your mobile phone number
3. Apply: Complete the information online, no paperwork required
4. Approval: Automatic verification in 5 minutes
5. Disbursement: The money is transferred immediately to your account
Main Advantages
1. Trusted Loan: Apply based on your credit profile. No collateral or deposits required.
2. 100% Digital Process: All steps are completed paperlessly from your mobile device.
3. Data Security: We do not share your personal data with third parties without your consent. Your information is safe with us.
4. Payment Reminder: We offer text messages to help you avoid late fees.
Loan Product Details
All PesoYa products are governed by the regulations of the Superintendency of Industry and Commerce (SIC) of Colombia.
* Loan Amount: From COP $50,000 to COP $1,200,000.
* Repayment Term: Minimum 91 days, maximum 120 days.
* Interest Rate: 0.05% daily (Maximum Annual Percentage Rate / APR: 18.25%).
* Platform Service Fee: Standard fee of COP $300,000, with a guaranteed discount of up to COP $290,000 depending on credit profile, resulting in a net actual payment of approximately COP $10,000.
* VAT: 19% applicable to interest and service fees. * Maximum Total APR (Interest + Fees): 26.28% (Calculated transparently on the actual cost charged).
💡 Detailed illustrative example of the cost:
For a loan of COP $500,000 with a term of 91 days, where the user qualifies for the platform discount:
* Principal amount requested: COP $500,000
* Regular interest (0.05% daily): COP $500,000 × 0.05% × 91 = COP $22,750
* Platform service fee (with discount applied): COP $300,000 - COP $290,000 = COP $10,000
* Applicable VAT (19%): ($22,750 interest + COP $10,000 platform fee) × 19% = COP $6,222.5
* Total amount to be paid by the consumer: COP $500,000 + COP $22,750 + COP $10,000 + COP $6,222.5 = $538,972.5 COP
* Actual APR for this example: 26.27% (Strictly complies with transparency policies and established limits).
Contact Channels
- Customer Service Email: atc@pesoya.tech
- Office Address: Cr 31 B # 1H - 82, Botaga, Colombia
- Privacy Policy: https://www.pesoya.tech/contract/privacy
- Data Deletion Request: https://www.pesoya.tech/delete-account
Developer email
atc@pesoya.tech
Developer website
https://www.pesoya.tech/Current version
1.1.1
Android version
7.0
Screenshots
