Vivastamo - Préstamo de Rápido

About Vivastamo - Préstamo de Rápido

Vivastamo is a reliable platform where you can obtain a loan in a matter of minutes, and receive the deposit directly in your account. Download our application and request now with complete security.

Know our advantage
Our loan form is simple and easy to complete.
The Vivastamo system is made up of high technology that controls your private data.
In addition, the system is available 24/7 to evaluate and deposit your request.
The entire loan process is 100% online and transparent.

[How to apply for a loan]
1.Be over 18 years of age and have your Citizenship Card
2.Have a bank account from Bancolombia, Nequi, etc.
3.Download the app and register
4.Fill out the application and submit
5.During the application process, authorize the necessary text messages and other permissions, and then encrypt them for Vivastamo to analyze and verify.
6.Wait for data verification
7.Approved data and instant deposit.

About loans:
Loan amount: from COP $100,000 to COP $2,500,000 pesos;
Terms: from 91 to 120 days;
Interest rate: 0.06% per day (maximum annual interest rate is 24%, equivalent monthly interest rate of 1.8% only);
Platform: It is a COP $300,000 service which can be used optionally by our clients, which will allow them to save money and time on necessary document procedures and on which they will be able to receive promotional discounts in a range of COP $10,000 to COP $290,000 that correspond to discounts such as financial inclusion;
Value Added Tax (VAT): 0% VAT is applied on the commission in accordance with Colombian policy and laws;
Administration: Cop 0 Now

APR: up to 85.69%(TEA).

Example
For example, for a 91-day loan of COP $$ 500,000 (at an annual interest of 24%). The monthly payment will be COP $$ 40,881 (EMI) and the total amount of payments will be COP $546,575;
Interest: COP $$ 500,000 * 24% / 365 * 91 = COP $$ 29,915;
Platform: COP $300,000; Discounts: COP $286,000; Platform Fee: COP $300,000 - COP $286,000= COP $14,000;
VAT: 0% * Platform= 0% * COP $$ 14,000 = COP $$ 0;
The total amount to be paid = loan amount + Interest + commission + VAT = COP $$ 500,000 + COP $$ 29,915 + COP $$ 14,000 + COP $$ 0 = COP $536,915;
EMI = COP$40,881;
APR = This would translate into a TEA (Effective Annual Rate) of 85.69%.


We protect the information of all our clients. We collect your data only to verify your identity and create your credit profile, such as SMS, etc. We do not collect or upload your data without your permission. We promise not to disclose your personal information without your consent or sell your data to third parties. (Privacy policy: https://m.vivastamo.co/privacy-agreement)

📞 Contact us：
Email: [email protected]
Company address: Cl. 34 #4 – 66Of. 101, Bogota, Colombia