CrediNova

CrediNova offers digital personal loan services. Users can apply online through the app, check their application status, manage their loan records, and view their payment plans.

1. Product Information
Maximum Loan Amount: ARG 1,000,000
Loan Term: 3 to 12 months
Maximum Annual Percentage Rate (APR): 24%
The maximum loan amount and APR represent the upper limits within the product range and do not guarantee that all users will receive the maximum amount or interest rate. The final loan amount is subject to approval.

2. Loan Cost Example
The following is a representative example to help users understand the cost of the loan:
Let's assume a loan of ARG 100,000, with a term of 6 months and an annual interest rate of 12%.

Interest = ARG 100,000 × 12% × 6/12 = ARG 6,000
Total amount to pay = ARG 100,000 + ARG 6,000 = ARG 106,000
This example is provided solely to explain how the loan cost is calculated. The applicable cost in each case will be subject to the final loan terms offered to the user and the loan agreement.

3. Loan Requirements
Before applying for a loan, the user must meet the basic requirements established for the product:
a. Be 18 years of age or older and have full legal capacity.

b. Hold a valid and current Argentine identity document.

c. Have a bank account in their name that can receive funds normally.

4. How to Apply
a. Submit the application: Access the App, complete the required information for the application, and select the loan amount you need.

b. Information Verification: Complete the identity verification and provide the corresponding information as indicated on the page.

c. Application Evaluation: The system will evaluate the application based on the information provided. The approval result and final loan terms will depend on the evaluation result.

d. Loan Confirmation: Once the application is approved, you can view the final loan amount, term, APR, fees, and payment schedule. After confirming the terms, you can complete the loan application process.

e. Receiving Funds: Once the loan process is complete, the funds will be disbursed according to the established terms for the product.

f. Making Payments According to the Agreement: The user must make payments according to the dates and amounts specified in the loan agreement.

5. Information Protection: CrediNova places great importance on the security of users' personal information. We only collect the information necessary to provide our loan services and implement strict security measures to protect your data. Without your authorization, we will never use your personal information for purposes other than loan services.

6. Customer Service
If you have any problems during the application, loan, or payment process, you can contact us through the following means:
Email: [email protected]
Hours of operation: Monday to Friday, 9:00 a.m. to 6:00 p.m.
Address: CAL. MICHIGAN NRO. 475 URB. RINCONADA DEL LAGO ET. UNO LIMA - LIMA - LA MOLINA