PECTIVO – Microcrédito para ti

About PECTIVO – Microcrédito para ti

PECTIVO is a cash microcredit application.
Applicants submit their application online through PECTIVO by submitting information such as ID, bank account and other information, and we will use big data, AI and other methods to calculate the risk level and decide whether the application will be approved or not.
The PECTIVO application is small and easy to download, the information required to apply is simple and approval is fast.

Requirements for applicants.
1. Over 18 years of age.
2. Peruvian citizen.
3. Have good credit and not have bad habits.

Below you will find the calculations of our products for your reference:
Loan amount: from S/ 500 to S/ 50,000
Terms: from 91 to 360 days
Daily rate: 0.08%. Maximum annual rate: 29.2%
Commission: 8%.
VAT: 18%.
APR = Maximum Annual Effective Rate (APR): 59.82%


Product example:
Amount: S/ 3000.
Term: 180 days (6 months)
Commission & VAT: S/ 283.2 (Commission= 3,000 * 8%= 240, VAT= 240 * 18%= 43.2)
Total interest: S/ 432 (3,000 * 0.08% * 180 = 432)
Monthly payment: S/ 572
Total payment: S/ 3432


3 steps to obtain a loan in PECIVO:
1. Download PECTIVO on Google Play Store.
2. Fill in the details to borrow.
3. Receive the money with your bank account.

Contact PECTIVO:
We pay close attention to the security of our customers' personal data and will never share it with third parties. If you have any questions or suggestions, contact us by email:[email protected]., we will respond as soon as possible.
Hours of operation: Monday to Friday 9a.m.-7p.m.
Av. Defensores del Morro 745, Chorrillos 15064, Peru