LumaCash: Préstamos personales

Find the right option for you

LumaCash helps you browse and compare personal loan products offered by third-party providers operating in Peru.

Complete the requested information and compare loan amounts, terms, rates, costs, and requirements before making your decision.

How does LumaCash work?

LumaCash gathers product information to facilitate comparison. The final application, evaluation, approval, contract signing, and disbursement are carried out according to the chosen provider's procedures.

When you select an option, you will continue on the provider's official platform. The provider will be responsible for:

• Evaluating the application
• Confirming product availability
• Determining the final terms
• Presenting the contract and summary sheet
• Making the disbursement, if applicable

Compare before continuing

Each option may show:

• Minimum and maximum available amount
• Repayment term
• Annual Effective Rate (AER) or Annual Percentage Rate (APR), as applicable
• Applicable fees, expenses, and taxes
• Estimated installment or payment
• Estimated total cost
• Application requirements

Terms depend on the provider, the information submitted, and the result of their evaluation.

Included Providers

On LumaCash, you can view products offered by:

• Kashin
• Préstamo365
• SolPresta: Fast and Secure

The appearance of a product on LumaCash does not guarantee its approval. Each provider applies its own criteria and makes the final decision.

LumaCash is an independent comparison site.

LumaCash is not a financial institution and does not grant loans directly. LumaCash does not approve applications, determine final terms, sign contracts on behalf of providers, or disburse funds.

LumaCash is not affiliated with, sponsored by, or endorsed by Kashin, Préstamo365, or SolPresta.

Terms and Conditions Published by Providers

• Kashin offers initial loan amounts from S/50 to S/800, terms from 91 to 180 days, and an Annual Effective Rate (AER) of 32%. Disbursement is made to a BCP or Interbank account in the applicant's name.

• Préstamo365 handles the application, evaluation, electronic signature, and disbursement on its own platform. Its terms and conditions should be reviewed in the current offer and summary sheet.

• SolPresta offers loan amounts from S/100 to S/6,000, terms from 180 to 365 days, and a maximum annual equivalent rate of 18%. It requires a Peruvian mobile phone number, a valid National Identity Document (DNI), and a bank account in the applicant's name.

The Annual Effective Rate (AER) and the Annual Percentage Rate (APR) are not equivalent metrics. Review the provider's summary sheet and contract before comparing costs or accepting an offer. Amounts, rates, fees, and terms may change.

Example published by SolPresta

For a loan of S/5,000 for 365 days with an annual interest rate of 12%, their Google Play listing shows:

• Principal: S/5,000
• Interest: S/600
• Estimated total to pay: S/5,600

This example is for informational purposes only and does not constitute an offer from LumaCash. The final terms and conditions should appear in the provider's proposal and contract.

General Requirements

Depending on the provider, the following may be required:

• Be over 18 years of age
• Reside in Peru
• Have a valid National Identity Document (DNI), Foreigner's Identity Card (CE), or Temporary Permit to Stay (PTP), as applicable
• Have an active mobile phone number
• Have your own bank account or an account with an Interbank Code (CCI)
• Provide the information necessary for the evaluation

Free Comparison

Consulting and comparing options on LumaCash is free. LumaCash does not request deposits or advance payments to display products or allow you to proceed with an application.

Privacy and Informed Decision

The data you provide is managed in accordance with LumaCash's Privacy Policy. Before accepting a loan, carefully review:

• The Annual Effective Rate (AER) and the Annual Percentage Rate (APR)
• Fees, expenses, and taxes
• The loan term and payment dates
• The amount of each installment or payment
• The total cost of the loan
• The consequences of late payments