Dinero Horizonte Préstamos

Dinero Horizonte Préstamos is an online financial services application for users in Guatemala, designed to facilitate access to personal loans in a clear and responsible manner.

Through the application, users can submit a loan application and clearly review the costs, terms, and available options before confirming their request.

Loan Information

• Available Amount: Up to GTQ 3,300

• Loan Term: 91 to 210 days

• Daily Interest Rate: 0.02% to a maximum of 0.07%

• Annual Percentage Rate (APR): 7% to a maximum of 26%

• Fees and Other Charges: GTQ 0

• Prepayment: Allowed, without penalty

The rate and amount available to each user will depend on the results of the credit evaluation. All applicable terms, including interest, term, fees, and total amount due, will be displayed before the user confirms their application.

Submitting an application does not guarantee loan approval.

How to Apply for a Loan

• Download and install Dinero Horizonte Préstamos from Google Play.

• Register with your phone number.

• Complete the required information.

• Review the applicable terms and conditions and submit your application.

• The system will perform the corresponding credit evaluation.

• After accepting the terms, and if approved, the money will be transferred to the bank account registered by the user.

Representative Example

The following example is presented for informational purposes only to explain the total cost of the loan. It does not constitute a guarantee or a commitment to granting the loan.

Assume a loan of GTQ 3,000, with a term of 120 days, a daily interest rate of 0.07%, an APR of 26%, and four equal monthly payments:

Daily Interest:

GTQ 3,000 × 0.07% = GTQ 2.10

Estimated Monthly Interest:

GTQ 2.10 × 30 days = GTQ 63

Total Interest:

GTQ 2.10 × 120 days = GTQ 252

Fees and Other Charges:

GTQ 0

Total Amount Due:

GTQ 3,000 + GTQ 252 = GTQ 3,252

Estimated Monthly Payment:

GTQ 3,252 ÷ 4 months = GTQ 813

The final amount and applicable terms will depend on the credit evaluation and will be displayed to the user. Before confirmation.

Basic Requirements

• Be 18 years of age or older.

• Have a valid Personal Identification Document (DPI).

• Have an active bank account in the applicant's name.

• Provide valid information to allow for credit evaluation.

Before applying for a loan, it is recommended to carefully review the product terms and responsibly assess your ability to repay.

Data Protection and Privacy

The information provided by the user is used to perform the credit evaluation, manage the account, provide the requested services, prevent fraud, and comply with applicable legal obligations.

Personal data is protected in accordance with Dinero Horizonte Préstamos' Privacy Policy. It is not sold or used for purposes other than those communicated to the user. Any processing or transfer of information will be carried out in accordance with the Privacy Policy and the corresponding authorizations.

Contact

Email: [email protected]