InstantoPrésta: The preferred option for fast and reliable liquidity
At InstantoPrésta, we offer online personal loans tailored to the needs of every Colombian. You can apply for loans from 100,000 to 4,000,000 COP with streamlined processes and complete transparency.

Advantages of choosing us:
? Up to 4,000,000 COP available – Quick application in just 4 steps
? Guaranteed privacy – Validation with a single document per applicant
? Clear and transparent terms – No hidden costs or surprises
? Low repayment pressure – long term and flexible repayments.

Loan details:
? Limit: 100,000–4,000,000 COP
? Terms: 91 to 180 days
? Daily interest: 0.02% – 0.08%.
? Annual Percentage Rate (APR): 7.2% – 29%.
? Fee: 5% – 15%.
? Total Annual Percentage Rate (TAE): 105% – 115%.
? VAT: 19%.
? Late Payment Interest Rate: 0.04% – 0.10%.

Practical Example:
? Loan: $1,000,000 COP for 91 days with:
Daily Interest: 0.04%
Fee: 10%
VAT: 19%
? Calculations:
Interest = 1,000,000 * 91 * 0.04% = 36,400 COP
Commission = 1,000,000 * 10% = 100,000 COP.
VAT = (36,400 + 100,000) * 19% = 25,916 COP.
Total amount payable = 1,000,000 + 36,400 + 100,000 + 25,916 = 1,162,316 COP.
APR = (1,000,000 + 36,400) / 1,000,000 = 103.6%.
EAR = 0.04% * 365 = 14.6%.

? Customer Service: [email protected]
? Offices: Ruta N Innovation and Business Center, Calle 67 #52-20, 2nd Floor, Tower A, Aranjuez Neighborhood, Medellín, Antioquia, Colombia
? Hours: Monday to Friday, 9:00 a.m. to 6:00 p.m.
Get your loan quickly, securely, and with the best terms.