Micro Dinero

Store description excerpt

Micro Dinero is a loan app designed to offer fast and secure access to personal credit in Chile and Latin America. With a simple and transparent process, you can apply for a loan from your mobile phone without unnecessary paperwork. Loan features: Available amount: from CLP$30,000 to CLP$600,000 (The credit limit granted will be determined through a detailed analysis of your financial profile, using our advanced evaluation model to offer a personalized proposal based on your needs and repayment capacity). Loan term: 120 to 180 days Interest rate: 0.001%-0.01% daily APR (Annual Percentage Rate): up to 0.365%-3.65% annually Stamp duty: 0.066% Service charge: 10%-15% of the loan amount VAT (Value Added Tax): 19% applied to the service charge, according to current Chilean tax regulations. Example loan: If the user requests a personal loan of CLP$600,000, the details would be: Loan amount: CLP$600,000 Duration: 180 days Interest calculation: Interest = CLP$600,000 × 0.001% × 180 days ≈ CLP$1,077 APR (Annual Percentage Rate): 0.365% per year Stamp Tax: CLP$600,000 × 0.066% ≈ CLP$396 Service charge: CLP$600,000 × 14.93% ≈ CLP$89,579.83 VAT on service charge: CLP$89,579.83 × 19% ≈ CLP$17,020.17 Total amount to pay: Loan amount + interest + service charge + VAT + Stamp Tax CLP$600,000 + CLP$1,077 + CLP$89,579.83 + CLP$17,020.17 + CLP$396 = CLP$708,073 Payment method: The loan will be repaid in 6 installments, with payments every 30 days, over a total term of 180 days. The installments will be approximately: 5 installments of CLP$118,013 1 final installment of CLP$118,008 The total amount to pay will be approximately CLP$708,073. Main features: Quick access: Apply for your loan easily and receive a response in minutes. Flexible and transparent: No hidden costs or complicated processes. Before confirming your loan, you can review all associated costs. Data security: We protect your information with advanced security measures and do not share your data without your consent. How to apply for a loan: Download the Micro Dinero app on your mobile device. Create your account and complete the verification process. Apply for your loan and wait for approval. Privacy policy: At Micro Dinero, we prioritize the security and privacy of your data. The information collected is used exclusively to assess your creditworthiness, manage your loan application, and prevent fraud, in compliance with applicable regulations. Privacy Policy: https://www.micro-dinero.com/cl/politica-de-privacidad Contact: hola@micro-dinero.com

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