Crediva: Préstamos en línea

Crediva is an online personal loan application for residents of Guatemala. The entire process is done digitally from your phone, without visiting a branch or handling paperwork.

Service provided by Credixa Tecnología, Sociedad Anónima.

HOW TO USE THE APPLICATION

• Download and install Crediva on your mobile device.

• Register with your Guatemalan phone number (+502) and complete your basic information.

• Review the complete terms and conditions on the confirmation screen before accepting.

• After the corresponding evaluation, if the application is approved, the money is transferred to the registered bank account.

LOAN INFORMATION

• Available amount: Up to Q3,000

(The exact amount will depend on the user's credit evaluation)

• Minimum repayment term: 210 days

• Maximum repayment term: 210 days

• Maximum Annual Percentage Rate (APR): 25.6%

• Daily interest rate: 0.0667%

• Payment method: Single payment at maturity

• Opening fee and service charges: Q0

• Prepayment: You can prepay at any time without additional charges.

EXAMPLE OF TOTAL COST CALCULATION

Loan Amount: Q3,000
Loan Term: 210 days
Daily Interest Rate: 0.0667%

1. Daily Interest Calculation

Q3,000 × 0.0667% = Q2.00 per day

2. Total Interest Calculation

Q2.00 × 210 days = Q420

3. Total Amount Due Calculation

Principal: Q3,000
Total Interest: Q420
Fees: Q0
Total Amount Due: Q3,420

4. Resulting Annual Percentage Rate (APR): 25.6%

All terms, including the total amount due and the Annual Percentage Rate, are displayed on the confirmation screen before you accept the loan. We never request any upfront payments to process your application.

BASIC REQUIREMENTS

• Be over 18 years of age and reside in Guatemala
• Have a valid Guatemalan ID (DPI)
• Have a Guatemalan phone number
• Have a bank account in your name
• Provide truthful personal information

SECURITY AND PRIVACY

We only request the information necessary to evaluate your application and process the disbursement. The application does not access your SMS messages, call log, list of installed applications on your phone, or your complete contact list.

The data collected is used for loan evaluation, fraud prevention, and compliance with applicable regulations, and is not shared for third-party advertising.

Privacy Policy: https://h5.gtcrediva.com/privacyAgreement.html
User Agreement: https://h5.gtcrediva.com/userAgreement.html

CONTACT AND SUPPORT

Email: [email protected]
Phone: +502 32830034
24/7 Support