Spean Luy

Spean Luy is your reliable partner for personal line of credit in Cambodia. Get instant access to credit up to $1,000 for your shopping or emergency needs, anytime and anywhere.

Key information:

Draw period: Up to 12 months with the possibility to borrow, repay, and re-borrow money up to your credit limit.
Repayment period: Begins after the draw period ends and can extend up to 365 days.
Maximum Annual Percentage Rate (APR): 15%. We charge a service fee of 1 % of the principal.
Spean will never charge you more than the amount of your service fee. Interest and fees do not compound or accrue.

Example of line of credit usage:

Credit line amount = 500 USD
Draw period = 6 months (during which you can borrow, repay, and re-borrow)
Repayment period = 6 months
Interest rate =  12% p.a.
Transfer fee =  5 USD
Total repayment = 535 USD
Monthly repayment during the repayment period = 89 USD
*Interest rate varies with the length of the draw and repayment periods

Our full repayment period is NOT less than 60 days as shown in the above example.
Credit name: Personal line of credit and Small business credit
Credit amounts: 50 USD to 1,000 USD
*Spean reminds you to always check the fees, charges and terms and conditions of your credit offer before accepting.

To qualify, a borrower must be a resident of Cambodia and satisfy our know-your-customer and underwriting requirements. Spean Luy Co., Ltd (MEF Registration No.T-19-0591). Additional terms and conditions apply.

How it works:
- Install the app
- Apply within 10 minutes
- Upload your national ID
- Cash out to your Wing account within 1 working day
- Scan QR for installment, or click Spean Buy on checkout screen for online shopping
- Repay on time and increase your credit limit up to $1,000 with us!

Why Spean:
- No paperwork or office visits required
- Ideal for daily working capital for your small businesses or personal needs
- Access larger amounts with lower fees and longer repayment periods as you continue to repay on time
- We use world-class technology to secure your information

Need access to cash urgently? Want to pay in installments without a credit card? Download Spean Luy and apply for your personal line of credit now!

Contact us:
Smart 0969009292
Cellcard 077712053
Metfone 0882169742