CrediMóvil

About CrediMóvil

CrediMóvil lends you cash (from Q350.00 to a maximum of Q3,000.00, depending on your income) from your cell phone, with immediate approval and direct transfer to your bank account in 24 hours or less.

How does our app work?

1. Download the app from the Play Store.
2. Complete and verify your profile.
3. Fill out the application information; We will ask you for your work information, housing information, income, expenses, personal and work references, etc.
4. Receive your resolution instantly.
5. Review the credit offer you will receive and, if you agree, share your bank account information with us to transfer your credit.

What are the ways to pay your credit?

1. Make a cash deposit in the bank of your choice to the account of NOVACRÉDITOS, S.A.
2. Make a bank transfer to the NOVACRÉDITOS, S.A. account.
3. We have accounts in all banks in the Guatemalan banking system.

How do you report your payment?

1. Take a photo of the payment slip or a screenshot of the transfer and send it through the app.
2. If you pay on time, you can request a larger amount or a longer term on your next application.

What you should know about our digital loans:

1. The credit term will be 120 to 180 days.
2. The maximum annual interest rate, which includes interest, taxes and fees, is 90% to 360%.
Example: If you request your first loan and we authorize you Q500.00, you must pay it in 120 days. Our credits have a surcharge of 53.57%, plus a tax of 6.42% and a charge of Q35.00. At the end of the term, you must pay Q836.00 (Q500.00 capital and Q336.00 in surcharges).
3. The maximum repayment period is 180 days.
4. The minimum repayment period is 120 days.
5. Clients can make partial payments to their loan, but upon reaching 120 days or the maturity period, they must have covered the capital, surcharges, taxes and corresponding commissions.

What does our app need?

1. Access to your approximate location to determine your geographic area and know where you are in Guatemala and find the closest advisor.
2. Personal and work references with telephone number to confirm your information before granting you the credit.
3. Access to the camera to take photos and verify your identity.
4. Permission to receive push notifications to keep you informed about your credit.

All the information you enter in the CrediMóvil application will be protected following the highest security standards and will not be shared with anyone.

Privacy policy: https://ikhodi.com.gt/privacidad_credimovil.html