PagoSmart

About PagoSmart

PagoSmart — Simpler and More Secure Loans
PagoSmart is a digital lending platform legally registered in Colombia, operated by DRIFTPAY SOLUTIONS SAS. We are dedicated to offering users a transparent, secure, and flexible financial experience, so you can easily obtain the funds you need and plan your finances with peace of mind.
Smart Credit Assessment and Fair Rates
Based on your credit history, PagoSmart offers a smart assessment to ensure transparent and reasonable interest rates. In accordance with Colombian law, the maximum annual interest rate is 30%, and the specific rate is adjusted to your credit profile, guaranteeing that each loan is fair and manageable.
Flexible Extensions, More Control Over Your Funds
Our loans allow for flexible extensions. For example, a 91-day loan can be renewed at the end of the term. You can choose to pay only the interest at maturity and postpone the principal payment to the next cycle. During the extension, interest is calculated on the principal at simple interest, maintaining transparency. This feature helps alleviate temporary financial pressure and makes planning your payments easier.
Secure and convenient bank connection
It supports integration with accounts from major banks (such as Bancolombia, Nequi, Davivienda, and others), allowing disbursements and payments to be fully traceable. Managing your funds becomes clearer and more efficient, giving you greater security and financial control.

Loan Amounts and Terms for Various Needs
- Loan Amount: 80,000 to 2,000,000 COP
- Term: 91 to 180 days, choose the cycle that best suits you
- Annual Interest Rate: based on credit evaluation, maximum 30%
- No additional fees, fully transparent costs
Example Loan (simple interest, 0.08% daily)
- Principal: 800,000 COP
- Term: 91 days
- Total Interest: 800,000 × 0.08% × 91 = 58,240 COP
- Total Amount to Pay: 800,000 + 58,240 = 858,240 COP
Example of a 30-Day Extension
- At maturity, pay only interest: 58,240 COP
- Principal 800,000 COP extended for 30 days
- Extension interest: 800,000 × 0.08% × 30 = 19,200 COP
- Payment at the end of the extension (principal + interest): 800,000 + 19,200 = 819,200 COP
- Total payment (initial interest + extension): 58,240 + 819,200 = 877,440 COP
Note: Interest is calculated on the principal using simple interest; interest continues to accrue during the extension.

Quick application and easy process
Simply submit your application from your phone—it's simple and intuitive. Smart evaluation and transparent approval allow you to quickly understand your loan plan and maintain complete control over your funds.

Loan Requirements
- Be 18 years of age or older and reside in Colombia
- Have a valid Colombian national identity card
- Have a stable source of income
- Have a personal bank account
Privacy and Security
We protect your personal and financial information using secure encryption technology, and we do not share your data with third parties without authorization.

See the full privacy policy: https://topweb.pagosmart.co/h5/pryPage.html
Customer Service
- Email: [email protected]
- Address: Calle 149 A 117 16, Bogotá, Capital District of Colombia
- Hours: Monday to Friday, 8:00 a.m. to 6:00 p.m.
Account Closure, Reliable Management
If you wish to close your account, we provide full assistance. Submit your request through the following link, and our support team will process it securely, protecting your information and privacy. Thank you for trusting PagoSmart, and we wish you the best in your future endeavors.
Account closure: https://topweb.pagosmart.co/h5/logOffPage.html