Novira

Novira, operated by STRADANNUNZIA S.A. DE C.V., is a digital personal loan platform that offers users in Colombia flexible, transparent, and fully online loan services. With clear rates and an efficient process, we help users cover personal expenses, emergencies, or short-term liquidity needs.

Loan Details
- Loan Amount: Up to COP 6,000,000 (the specific amount will depend on the credit evaluation).

- Term: Up to 120 days.

- Maximum Annual Percentage Rate (APR): 16%.

- Daily Interest Rate: 0.04%.

- Service Fee: 0.
- Amount Received: COP 6,000,000 (subject to approval).

- Payment Method: Single payment of principal plus interest at maturity. Example Loan
- Loan Amount: COP 6,000,000
- Term: 120 days
- Daily Interest Rate: 0.04%
- Total Interest: COP 6,000,000 × 0.04% × 120 = COP 288,000
- Total Due at Maturity: COP 6,000,000 + COP 288,000 = COP 6,288,000
Note: Interest figures have been rounded. The actual amount may vary slightly depending on the business calendar.
Target Users
1. Age: 18 years or older.

2. Nationality: Colombian citizen or foreigner with legal residency in Colombia.

3. Bank Account: Have a savings account or similar account in your name, such as Nequi or Daviplata.

4. Identity document: You must have a valid national identity card (CC) or foreign resident card (CE).

5. Financial situation: You must have a short-term credit need and the ability to make the repayment within a maximum of 120 days.
Application process
1. Download the Novira app from Google Play.

2. Register with your name, email address, and phone number.

3. Upload a photo of your identity document and a selfie to complete identity verification.

4. Provide your bank account information.

5. Once the application is approved, the money will be deposited directly into your account.
Privacy and security
- Data protection: All personal information is transmitted using secure encryption protocols.

- Use of data: We only collect the information strictly necessary for credit assessment and compliance with applicable obligations.

- Data sharing: We will not share or sell your data without your explicit consent. - Your rights: You can exercise your rights of access, rectification, erasure, or objection by contacting us via the email address below.

- Business hours: Monday to Friday, 9:00 AM to 6:00 PM
- Email: [email protected]
- Address: Bogotá D.C., Colombia
Novira — Transparent credit, clear terms, and a simple process.