VivaPlata is a platform focused on offering users in Colombia fast, transparent, and compliant credit services.

We collaborate with authorized financial institutions to ensure that all our loan products meet local regulations, providing users with a safe and reliable credit experience.
You can complete your application in just a few minutes and receive the funds directly into your bank account.

📋 Application Requirements
- Age: 18 to 55 years old (Colombian citizens)
- Identification: Valid Colombian National Identity Card (Cédula de Ciudadanía)
- Income: Must have a stable source of income or employment
- Bank Account: Must have an account with Bancolombia, Nequi, or other partner banks
🚀 Application Process (100% Online)
1. Download the App: Install VivaPlata from Google Play
2. Register your account: Verify your mobile phone number
3. Complete your application: Simple form, no paperwork required
4. Review and Approval: Automatic validation in just 10 minutes
5. Disbursement: Money is transferred immediately to your bank account
✅ Main Advantages
- Simple Application: Optimized form, in less than 5 minutes
- 24/7 Support: Automated system available all day
- Data Security: End-to-end encryption, in accordance with the Personal Data Protection Law in Colombia
- Transparency and Compliance: All costs are clear, with no hidden fees and a total price. Compliance with local regulations
📊 Loan Details
VivaPlata's credit products strictly comply with SIC requirements, guaranteeing terms longer than 60 days and an annualized total cost no higher than 36%.

💡 Example Loan Costs (COP $500,000 for 91 days)
This example shows the calculation for a COP $500,000 loan with a 91-day term:
- Loan Amount: COP $500,000
- Term: 91 days
- Daily Interest Rate: 0.05% (equivalent to 18.25% annual)
Calculation:
- Interest: $500,000 × 0.05% × 91 = $22,750
- VAT (19%): 19% × $22,750 = $4,322.50
- Total to Pay: $500,000 + $22,750 + $4,322.50 = $527,072.50
- APR (Annual Percentage Rate): 18.25% (Complies with the ≤36% limit)
🔄 Payment Methods
- Manual Payment:

- Transfer via PSE or Bancolombia online banking

- Cash payment at Efecty locations (with payment reference code)
⚖️ Commitment to Compliance
- Regulated Terms: All loans have a term of ≥91 days, avoiding short-term and high-cost products.

- Regulated Rate: The APR is strictly maintained within 36%, in accordance with SIC regulations.

- Cost Transparency: All fees and charges are disclosed in advance, with special discounts for low-income users.

- Data Protection: We comply with SIC regulations on credit data handling and with the GDPR standard for international transfers.

📞 Contact Us
- Customer Service Email: [email protected]
- Address: Carrera 23 No. 2-22, B, Bogotá D.C., Colombia
- Privacy Policy: https://www.vivaplata.tech/contract/Privacy
💎 Summary
At VivaPlata, we uphold legality, inclusion, and technological innovation as our core values.
Through technology, we reduce operating costs and pass these benefits on to our users.
We explicitly reject any hidden fees or abusive collection practices, committed to becoming one of the most trusted credit platforms in Colombia.

Important Notice: Credit must be used responsibly. Late payments can negatively impact your credit history and generate late fees.

Download now and experience fast and secure service!