描述
All loans under Loans and credit fall within the following terms:
Minimum repayment period = 90 days
Maximum repayment period = 365 days
Maximum APR = 15%
Representative example
Loan amount - USD 100
Term of loan - 3 months
Interest per year 12%
Service fee - None.
Repayment
Interest is 12% x USD 100 X 3/12 months = USD 3
Monthly payments = USD 34.33 (comprising USD 33.33 principal + USD 1 interest)
Total amount to repay = USD 34.33 x 3 months = USD 103 (comprising USD 100 principal + USD 3 interest)
Total cost of the loan, including all applicable fees = Service Fee 0 + Interest USD 3 = Total Cost of Loan USD 3
Important notice: Loans and credit(unlike the lenders who may register on the app) does not lend money on a commercial basis. We provide a progressively secure platform where borrowers and lenders can find each other and start a transaction.
To that end, we may offer interest free grants with no fixed repayment period. We encourage, but do not force, borrowers to repay our interest free grants. On repayment, borrowers build a good repayment track record. This helps registered lenders (licensed, where applicable, in the jurisdictions they operate and vetted by us) to evaluate the repayment capacity of borrowers, before lending to the borrowers under terms that do not exceed the maximum costs of loans allowed by Loans and credit terms and conditions.
We provide a system where borrowers can review lenders (and vice versa) and a mechanism to file complaints where there is abuse or unethical behavior.
Lenders near you. We allow licensed lenders near you, and provide a registry of lenders to give borrowers as wide as possible a choice when looking for finance. Loans and credit offers the option of switching countries, so that a borrower can check on the lenders in other countries. For example, a borrower in Lagos, Nigeria can see whether there are any cross-border lenders from Nairobi, Kenya or even New York, USA.
Loan applications. Lenders spend a lot of marketing money trying to find borrowers who fit their target market. Loans and credit provides an abundance of loan applications from all over the world (grouped by country), where registered lenders can be able to start a conversation that can lead to a loan.
Register of defaulters. Defaults cause losses to lenders, especially private lenders who have no access to credit reference bureaux. That lack of information also harms borrowers, because lenders do not know how to price their loans. Lack of information on defaulters is solved by Loans and credit by providing a member’s only accessible register of defaulters in every country.
References. In a bit to increase creditworthiness, borrowers may list friends and family as references for lenders to see. This is done through the My References section in Loans and credit. A borrower in Chile with ten friends as his references is a better lending risk than a borrower in Paris with no listed references.
Legal documents. We provide lending contracts, claim forms, loan applications forms and other legal documents for use by lenders and borrowers.
Lender reviews. Which lender was difficult in their approval process? Who as considerate during default? Which lender offered transparency in their lending process? The lender review section allows users to give feedback on their experience so as to help other users educate themselves.
Bounties and rewards. Are you offering a reward for the tracing of a debtor who has absconded with a loan? We have a large international user base of bounty hunters in every country that can help you track missing debtors.
Debt collectors. Do you have a debt that you want collected? Loans and credit has a debt collection platform that connects you with registered debt collectors that are effective and professional.
Lawyers. Have you been treated unfairly or has there been a breach of a lending contract? We have a lawyers section where lawyers who have expertise in loan disputes.
更多 ↓ Minimum repayment period = 90 days
Maximum repayment period = 365 days
Maximum APR = 15%
Representative example
Loan amount - USD 100
Term of loan - 3 months
Interest per year 12%
Service fee - None.
Repayment
Interest is 12% x USD 100 X 3/12 months = USD 3
Monthly payments = USD 34.33 (comprising USD 33.33 principal + USD 1 interest)
Total amount to repay = USD 34.33 x 3 months = USD 103 (comprising USD 100 principal + USD 3 interest)
Total cost of the loan, including all applicable fees = Service Fee 0 + Interest USD 3 = Total Cost of Loan USD 3
Important notice: Loans and credit(unlike the lenders who may register on the app) does not lend money on a commercial basis. We provide a progressively secure platform where borrowers and lenders can find each other and start a transaction.
To that end, we may offer interest free grants with no fixed repayment period. We encourage, but do not force, borrowers to repay our interest free grants. On repayment, borrowers build a good repayment track record. This helps registered lenders (licensed, where applicable, in the jurisdictions they operate and vetted by us) to evaluate the repayment capacity of borrowers, before lending to the borrowers under terms that do not exceed the maximum costs of loans allowed by Loans and credit terms and conditions.
We provide a system where borrowers can review lenders (and vice versa) and a mechanism to file complaints where there is abuse or unethical behavior.
Lenders near you. We allow licensed lenders near you, and provide a registry of lenders to give borrowers as wide as possible a choice when looking for finance. Loans and credit offers the option of switching countries, so that a borrower can check on the lenders in other countries. For example, a borrower in Lagos, Nigeria can see whether there are any cross-border lenders from Nairobi, Kenya or even New York, USA.
Loan applications. Lenders spend a lot of marketing money trying to find borrowers who fit their target market. Loans and credit provides an abundance of loan applications from all over the world (grouped by country), where registered lenders can be able to start a conversation that can lead to a loan.
Register of defaulters. Defaults cause losses to lenders, especially private lenders who have no access to credit reference bureaux. That lack of information also harms borrowers, because lenders do not know how to price their loans. Lack of information on defaulters is solved by Loans and credit by providing a member’s only accessible register of defaulters in every country.
References. In a bit to increase creditworthiness, borrowers may list friends and family as references for lenders to see. This is done through the My References section in Loans and credit. A borrower in Chile with ten friends as his references is a better lending risk than a borrower in Paris with no listed references.
Legal documents. We provide lending contracts, claim forms, loan applications forms and other legal documents for use by lenders and borrowers.
Lender reviews. Which lender was difficult in their approval process? Who as considerate during default? Which lender offered transparency in their lending process? The lender review section allows users to give feedback on their experience so as to help other users educate themselves.
Bounties and rewards. Are you offering a reward for the tracing of a debtor who has absconded with a loan? We have a large international user base of bounty hunters in every country that can help you track missing debtors.
Debt collectors. Do you have a debt that you want collected? Loans and credit has a debt collection platform that connects you with registered debt collectors that are effective and professional.
Lawyers. Have you been treated unfairly or has there been a breach of a lending contract? We have a lawyers section where lawyers who have expertise in loan disputes.
新功能
- 版本: 1.114
- 發佈日期:
- Global chatroom, lenders near you, loan applications, register of defaulters, references, download legal documents, lender reviews, bounties and rewards debt collectors, loan lawyers, discount buyers and hire purchase deals.
開發人員
- Viva PS
- 平台: Android 應用程式 (13) Android 遊戲 (1)
- 清單: 3 + 0
- 點數: 0 + 7,504 ¡
- 排名: 0
- 評測: 0
- 折扣: 0
- 影片: 1
- RSS: 訂閱
點數
未找到 ☹️
排名
未找到 ☹️
清單
未找到 ☹️
評測
成為第一個評論!
其他資訊
- 類別 :
Android 應用程式
›財經
- OS:
Android 5.0 以上版本
- 大小:
21 Mb
- 內容分級:
Teen
- Google Play 評分:
4.5
(4,496) - 發佈日期:
- 發行日期:
聯絡人
- 個人網站: https://viva.co.ke
你可能還喜歡
-
- Credit Sesame: Build Credit
- Android 應用程式: 財經 由: Credit Sesame, Inc.
- * * 免費
- 清單: 1 + 0 排名: 0 評測: 0
- 點數: 0 + 167,991 版本: 7.7 Credit Sesame is an all-in-one credit score management app. We help with credit score management and financial health improvement. Our platform empowers you to access, understand, and ...
-
- Credit Europe Bank
- Android 應用程式: 財經 由: Credit Europe Bank Ltd.
- 免費
- 清單: 0 + 0 排名: 0 評測: 0
- 點數: 1 + 26,293 版本: 3.1.2001 Mobile Bank App Credit Europe Bank is open for you 24/7: loan repayment, money transfers, utility payments, deposits and currency exchange are available for you at any place in any ...
-
- Intuit Credit Karma
- Android 應用程式: 財經 由: Credit Karma, LLC
- * 免費
- 清單: 0 + 0 排名: 0 評測: 0
- 點數: 1 + 69,358 版本: 24.12 Boosting your credit score could land you better deals on cards and loans. Meaning? Your savings could go toward paying off your debt, a house deposit or that dream holiday. With the ...
-
- Redwood Credit Union
- Android 應用程式: 財經 由: Redwood Credit Union
- 免費
- 清單: 0 + 0 排名: 0 評測: 0
- 點數: 0 + 4,255 版本: 6.21.8 We love saving you time. RCU's digital banking app lets you do your banking on your schedule! Redwood Credit Union s digital banking app for Android devices is free and secure for RCU ...
-
- Grow Credit
- Android 應用程式: 財經 由: Grow Credit Inc.
- 免費
- 清單: 0 + 0 排名: 0 評測: 0
- 點數: 0 + 1,927 版本: 6.8.0 With over 400,000 downloads, Grow Credit, featured on the 2022 Forbes Fintech 50 and recognized as one of America's most innovative companies, helps consumers build credit for free ...
-
- Wescom Credit Union Mobile
- Android 應用程式: 財經 由: Wescom Credit Union
- * 免費
- 清單: 0 + 0 排名: 0 評測: 0
- 點數: 0 + 2,736 版本: 2024.03.2004 Use the Wescom Credit Union Mobile Banking App for managing your accounts and cards, depositing checks, making payments, and much more. To learn more visit https://wescom.org/mobile. ...
-
- Credit Genie: Get Cash Advance
- Android 應用程式: 財經 由: Creditly Corp
- 免費
- 清單: 2 + 1 排名: 0 評測: 0
- 點數: 1 + 15,729 版本: 2.2.9 Improve your financial health with breakthrough financial tools and services from Credit Genie GET A CASH BOOST UP TO $100 : We all can use a little boost from time to time. With ...
-
- NIH Federal Credit Union
- Android 應用程式: 財經 由: NIH Federal Credit Union
- 免費
- 清單: 0 + 0 排名: 0 評測: 0
- 點數: 0 + 1,587 版本: 4012.3.0 The NIH Federal Credit Union s FREE mobile banking app is secure, convenient and easy to use anytime, anywhere. Our mobile banking app lets you manage your credit cards, share ...
-
- UFirst Credit Union
- Android 應用程式: 財經 由: UFirst Credit Union
- 免費
- 清單: 0 + 0 排名: 0 評測: 0
- 點數: 0 + 2,577 版本: 5.9.02 UFirst Credit Union Mobile Banking allows you to check balances, view transaction history, transfer funds and pay loans on the go! Features: - Check balances - View transaction history
-
- Credit history
- Android 應用程式: 財經 由: ubki.ua
- 免費
- 清單: 0 + 0 排名: 0 評測: 0
- 點數: 0 + 4,034 版本: 2.0.22 An application for monitoring your credit reputation from the Ukrainian Bureau of Credit Histories, the largest provider of information about borrowers in Ukraine. If you actively use ...
-
- UW Credit Union
- Android 應用程式: 財經 由: UW Credit Union
- * 免費
- 清單: 0 + 0 排名: 0 評測: 0
- 點數: 0 + 1,559 版本: 4.2.11 Quick, easy and secure banking from almost anywhere. View your accounts, send money, pay bills, deposit checks and sooo much more. Enjoy the full UW Credit Union online banking ...
-
- Home Credit: Personal Loan App
- Android 應用程式: 財經 由: Home Credit India Finance Private Limited
- 免費
- 清單: 0 + 1 排名: 0 評測: 0
- 點數: 0 + 537,365 版本: 4.42 Home Credit is one of India's fastest-growing personal loan apps, trusted by over 1.6 Crore+ happy customers. With instant approval, quick disbursal & 100% online application process, ...
-
- Los Angeles Federal Credit Uni
- Android 應用程式: 財經 由: Los Angeles Federal Credit Union
- 免費
- 清單: 0 + 0 排名: 0 評測: 0
- 點數: 0 + 1,951 版本: 6.21.0 Los Angeles Federal Credit Union puts everyday banking at your fingertips safely & securely 24/7 with our LAFCU Mobile App. Whether you want to check your account balance, view your ...
-
- Leaders Credit Union
- Android 應用程式: 財經 由: LEADERS CREDIT UNION
- 免費
- 清單: 0 + 0 排名: 0 評測: 0
- 點數: 0 + 2,160 版本: 2024.01.02 Leaders Credit Union is a not-for-profit financial cooperative based in Jackson, TN. Established in 1957, we serve members throughout West Tennessee and the mid-south. At Leaders, you ...