GemCredit
DAT NGOC QUYEN COMPANY LIMITED
GemCredit – Flexible consumer loan application for Vietnamese people
GemCredit is an online loan application that supports users in Vietnam to access consumer capital quickly and transparently. With just a phone with internet connection, you can submit a loan request, track the status of your application and manage payments anywhere, minimizing paperwork and waiting time.
GemCredit's service is for customers who are individuals aged 18 or older, living in Vietnam and meeting our internal assessment criteria.
1. Basic information about the loan
Minimum - maximum loan amount: from VND 5,000,000 to VND 35,000,000.
Loan term: up to 12 months (specific terms may vary depending on the application and options).
Maximum annual percentage rate (APR): 21.9%/year.
Actual loan terms may vary depending on each customer; specific rights and obligations are specified in the Contract you sign in the application.
2. Illustrative example (for reference)
Suppose you apply for a loan of VND 10,000,000 with a term of 12 months, annual percentage rate (APR) of 21.9%/year:
Estimated total interest in 1 year: about VND 2,190,000.
Total amount expected to be paid after 12 months: about VND 12,190,000.
If divided equally by month, the average monthly amount is about VND 1,015,833.
This example is for the purpose of helping you visualize the cost of capital, is not an offer for a specific loan, and does not guarantee that your actual conditions will be exactly the same as the example.
3. Loan application conditions
To be able to apply through GemCredit, you need:
Be 18 years of age or older.
Have a valid ID (ID/CCCD).
Reside in Vietnam.
Have a phone number and a bank account in your name to receive disbursements and payments.
Provide truthful and accurate information to serve the appraisal process.
Submitting a loan request does not mean that the loan is definitely approved. The limit, term and other conditions depend on the credit assessment results and risk policy at each time.
4. Steps to take on the application
1. Download and install the GemCredit application on your phone, register and verify your account.
2. Create a loan application: provide personal information, occupation, income and contact number according to the instructions in the application.
3. Choose the amount you want to borrow and the appropriate loan term. Before you confirm, all information about interest rates, payment amount, fees (if any) and repayment schedule will be clearly displayed on the application screen for your review.
4. Confirm the loan request. After the application is successfully approved by the system, the money will be transferred to your bank account.
Through the application, you can track your transaction history, outstanding balance, payment due date and other important information. Early repayment will be made according to the instructions displayed in the application at the time of payment.
5. Advantages of using GemCredit
Online registration and approval process, minimizing direct contact and manual paperwork.
The appraisal time is relatively fast, helping you receive feedback early.
Information on costs, interest rates and payment obligations is presented in an easy-to-understand and transparent manner.
Payment schedule reminders, helping you proactively plan your finances and build a positive credit history.
Committed to complying with Vietnamese laws related to consumer lending and personal data protection.
6. Recommendations for use & customer support
GemCredit encourages users to carefully consider their financial capacity, only borrow within their affordability and read all terms in the application before confirming. Products, interest rate policies and fees may change to suit legal regulations and business strategies at each time.
All latest updates on loan terms will be shown in the application and in the corresponding Contract.
If you have questions or need support, you can use the customer care channel integrated right in the GemCredit application to get answers.
GemCredit is an online loan application that supports users in Vietnam to access consumer capital quickly and transparently. With just a phone with internet connection, you can submit a loan request, track the status of your application and manage payments anywhere, minimizing paperwork and waiting time.
GemCredit's service is for customers who are individuals aged 18 or older, living in Vietnam and meeting our internal assessment criteria.
1. Basic information about the loan
Minimum - maximum loan amount: from VND 5,000,000 to VND 35,000,000.
Loan term: up to 12 months (specific terms may vary depending on the application and options).
Maximum annual percentage rate (APR): 21.9%/year.
Actual loan terms may vary depending on each customer; specific rights and obligations are specified in the Contract you sign in the application.
2. Illustrative example (for reference)
Suppose you apply for a loan of VND 10,000,000 with a term of 12 months, annual percentage rate (APR) of 21.9%/year:
Estimated total interest in 1 year: about VND 2,190,000.
Total amount expected to be paid after 12 months: about VND 12,190,000.
If divided equally by month, the average monthly amount is about VND 1,015,833.
This example is for the purpose of helping you visualize the cost of capital, is not an offer for a specific loan, and does not guarantee that your actual conditions will be exactly the same as the example.
3. Loan application conditions
To be able to apply through GemCredit, you need:
Be 18 years of age or older.
Have a valid ID (ID/CCCD).
Reside in Vietnam.
Have a phone number and a bank account in your name to receive disbursements and payments.
Provide truthful and accurate information to serve the appraisal process.
Submitting a loan request does not mean that the loan is definitely approved. The limit, term and other conditions depend on the credit assessment results and risk policy at each time.
4. Steps to take on the application
1. Download and install the GemCredit application on your phone, register and verify your account.
2. Create a loan application: provide personal information, occupation, income and contact number according to the instructions in the application.
3. Choose the amount you want to borrow and the appropriate loan term. Before you confirm, all information about interest rates, payment amount, fees (if any) and repayment schedule will be clearly displayed on the application screen for your review.
4. Confirm the loan request. After the application is successfully approved by the system, the money will be transferred to your bank account.
Through the application, you can track your transaction history, outstanding balance, payment due date and other important information. Early repayment will be made according to the instructions displayed in the application at the time of payment.
5. Advantages of using GemCredit
Online registration and approval process, minimizing direct contact and manual paperwork.
The appraisal time is relatively fast, helping you receive feedback early.
Information on costs, interest rates and payment obligations is presented in an easy-to-understand and transparent manner.
Payment schedule reminders, helping you proactively plan your finances and build a positive credit history.
Committed to complying with Vietnamese laws related to consumer lending and personal data protection.
6. Recommendations for use & customer support
GemCredit encourages users to carefully consider their financial capacity, only borrow within their affordability and read all terms in the application before confirming. Products, interest rate policies and fees may change to suit legal regulations and business strategies at each time.
All latest updates on loan terms will be shown in the application and in the corresponding Contract.
If you have questions or need support, you can use the customer care channel integrated right in the GemCredit application to get answers.
Developer email
inquiry@dnqcompany.com
Developer website
https://www.dnqcompany.com/Current version
1.1.25
Android version
7.0
Screenshots
