Finanzas Hoy

How is the control of daily expenses managed? Do you keep track of your personal finances? It's easy with Finance Today, your financial organizer. 💓Welcome to Finance Today.

Finance Today: Average CAT is 92.3%, annual weighted average fixed rate is 67.20%
Calculation date: August 30, 2023

Finance Today:
CAT average 92.3%
Weighted average annual fixed interest rate 67.20%
Calculation date: August 30, 2023

Rating
🔐 Colombian residents with citizenship card
🔐Starts at 21 years old.
🔐Have a bank account
🔐 Have a bank account at Banco Bancolombia, Nequi, Daviplata, etc.


Finance Today: 150,000 COP $2500,000 COP$;
Duration: 91 to 120 days
18+
Interest rate: 0.06% per day (the maximum annual interest rate is 24%, the equivalent monthly interest rate is only 1.8%);
Platform: This is a COP 300,000 service that our clients can choose to use, which will allow them to save money and time on necessary documentation procedures, and be able to obtain the corresponding promotional discounts, ranging from COP $10,000 to COP $290,000, as long as when COP and other discounts are available. as economic benefit.
Value Added Tax (VAT): According to Colombian policies and laws, commissions are subject to 19% VAT;
April: up to 85.69% (tea)

Example
For example, 3 months and 91 days costs 100,000 COP (annual interest rate 25.55%). The monthly payment is COP $40,881 (EMI) and the total payment is COP $122,643;
Interest: 100,000 pesos*24%/365*91=59.83 pesos;
Platform: COP $300,000 Discount: COP $286,000 Platform fee: COP $300,000 - COP $286,000 = COP $14,000
VAT: 19% * Platform = 19% * COP $14,000 = COP $2,660;
Total payment = loan amount + interest + commission + VAT = COP $100,000 + COP $59.83 + COP $14,000 + COP $2,660 = COP $122,643;
IME = COP$40,881;
APR = This means that the TEA (Annual Effective Interest Rate) is 85.69%.


How do I get Finance Today today?
✔Download the Finance Today application.
✔ Enter your information to apply.
✔ Awaiting approval.
✔ We will deposit directly into your bank account. If you do not have a bank account, we recommend opening one at Banco Bancolombia, ñequi, Daviplata and Al mano. This step is simple, direct and effective.

How do I pay?
- You can pay online through your bank.
- Pay via PSE, Bancolombia or Nequi
- You can also consult your nearest Baloto or Effecty for payment.
- More options like Puntopay coming soon

We hope you'll try our finances today and let us know what you think via email or phone.
🚩We are open Monday to Friday from 9 a.m. to 7 p.m. m. to 7 p.m. m. rice. to 6 p.m. m. 17:00 19:00
🚩 Email: need@platacolombia.com
🚩Company address: Kara. 6 # 14 -309, Bojacá, Cundinamarca, Colombia