Spark offers employees of companies in Colombia access to 100% digital loans quickly and easily. We offer free investment loans and loans for purchases in our online store, accessible to all employees.

Join our agreements and purchase thousands of products and services through our app, with flexible payment options. Loans range from COP 200,000 to COP 3,000,000, with terms ranging from 2 installments (60 days) to 12 installments (maximum APR of 24%). Disbursements are made directly to the payroll account, and installments are automatically deducted from the salary according to the employer's salary cycle. Our goal is to provide well-being to all our users!

Example simulation of a loan for COP $500,000 with a 6-payment term:

Interest: $37,386
VAT: $1,267
Administration: $6,667

Payment 1: $79,064 + $10,500 + $1,267 + $6,667 = $97,498
Payment 2: $80,725 + $8,840 + $1,267 + $6,667 = $97,498
Payment 3: $82,420 + $7,144 + $1,267 + $6,667 = $97,498
Payment 4: $84,151 + $5,414 + $1,267 + $6,667 = $97,498
Payment 5: $85,918 + $3,646 + $1,267 + $6,667 = $97,498
Payment 6: $87,722 + $1,842 + $1,267 + $6,667 = $97,498
Annual rate: 22.42% (for this example).