Vivastamo - Préstamo de Rápido

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

Get to know our advantage
Our loan form is simple and easy to complete.
Vivastamo's 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 application.
The entire loan process is 100% online and transparent.

[How to apply for a loan]
1.Be over 18 years old and have your Citizenship ID
2.Have a bank account with 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.Data approved and instant deposit.

About the 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 (the maximum annual interest rate is 24%, equivalent monthly interest rate of 1.8% only);
Platform: It is a COP 300,000 service that can be optionally used by our clients, which will allow them to save money and time in necessary document procedures and on which they can 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 the policy and laws of Colombia;
Administration: Cop 0 Now

APR: up to 85.69% (APR).

Example
For example, for a 91 day loan of COP500,000 (at 24% annual interest). The monthly payment will be COP40,881 (EMI) and the total payment amount will be COP546,575;
Interest: COP500,000 * 24% / 365 * 91 = COP29,915;
Platform: COP300,000; Discounts: COP286,000; Platform Fee: COP300,000 - COP286,000= COP14,000;
VAT: 0% * Platform= 0% * COP14,000 = COP0;
Total amount payable = 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 an EAR (Annual Percentage Rate) of 85.69%.


We protect all our customers' information. We collect your data only to verify your identity and build 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 any third party. (Privacy Policy: https://m.vivastamo.co/privacy-agreement)

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