VivaPlata

About VivaPlata

VivaPlata is a platform focused on offering Colombian users fast, transparent, and regulatory-compliant credit services.
We collaborate with authorized financial institutions to ensure that all our loan products comply with local regulations, providing users with a safe and reliable credit experience.
In just a few minutes, you can complete your application and receive the funds directly into your bank account.
📋 Application Requirements
- Age: 18 to 55 years old (Colombian citizens)
- Identification: Valid Citizen ID
- Income: Have a stable source of income or employment
- Bank Account: 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 cell phone number
3. Complete your application: Simple, paperless form
4. Review and approval: Automatic validation in just 10 minutes
5. Disbursement: Money is immediately transferred to your bank account
✅ Key Benefits
- Simple application: Streamlined form, in less than 5 minutes
- 24/7 support: Automatic system available 24/7
- Data security: End-to-end encryption, in compliance with the Colombian Personal Data Protection Law
- Transparency and compliance: All costs are clear, with no hidden fees and in full compliance with local regulations
📊 Loan details
VivaPlata's loan products strictly comply with SIC requirements, guaranteeing terms of more than 60 days and a total annualized cost of no more than 36%.
💡 Loan Cost Example (COP $500,000 for 91 days)
This example shows the calculation for a COP $500,000 loan with a 91-day term: SIC
- Loan Amount: COP $500,000
- Term: 91 days
- Daily Interest Rate: 0.05% (equivalent to 18.25% per year)
Calculation:
- Interest: $500,000 × 0.05% × 91 = $22,750
- VAT (19%): 19% × $22,750 = $4,322.5
- Total Due: $500,000 + $22,750 + $4,322.5 = $527,072.5
- APR (Annual Percentage Rate): 18.25% (meets the ≤36% limit)
🔄 Payment Methods
- Manual payment:
- Transfer through PSE or Bancolombia online banking
- Cash payment at Efecty locations (with payment reference code)
⚖️ Commitment to compliance
- Regulated terms: All loans have a term of ≥91 days, avoiding short-term and high-cost products.
- Regulated rate: The APR is strictly maintained within 36%, in accordance with SIC regulations.
- Cost transparency: All fees and charges are disclosed in advance, with special discounts for low-income users.
- Data protection: We comply with SIC regulations on credit data management and the GDPR standard for international transfers.
📞 Contact Us
- Customer Service Email: [email protected]
- Address: Cr 23 No. 2 22, B, Bogotá D.C., Colombia
- Privacy Policy: https://www.vivaplata.tech/contract/Privacy
💎 Overview
At VivaPlata, we uphold legality, inclusion, and technological innovation as our pillars.
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. A late payment may affect your credit history and generate late payment interest.