RayoFinanciera: your best online credit option. Personal loans in minutes, accessible to everyone in Peru!

? Loan amounts: from S/100 to S/5,000
? Flexible term: from 91 to 180 days

Loan interest rate: from 0.06% to 0.10% daily, depending on your credit history (equivalent to 10% to 24% per year).
APR (Annual Percentage Rate): 24%

Practical example: If you apply for a loan of S/1,000 with a term of 180 days and a daily rate of 0.06% (equivalent to 24% per year), the total interest payable would be S/118. Therefore, the total amount due is S/1,118.
*Calculation based on a daily rate of 0.06% (24% annual rate).

Why borrow from RayoFinanciera?
✅ Our clients support us! Receive larger terms and amounts for repeat customers.
✅ We don't require collateral or cash advances!
✅ We reward a good credit history with up to S/2,000 - S/5,000!
✅ Apply from anywhere in Peru!
✅ Use the money for whatever you want!
✅ You can apply 24/7!

? REQUIREMENTS
1. Be a Peruvian resident with a Peruvian ID card.
2. Have a bank account.
3. Have a mobile phone number and a stable income.
4. Be over 21 years of age.

HOW TO QUICKLY APPLY FOR A LOAN IN 3 EASY STEPS?
1⃣ Download the RayoFinanciera app.
2⃣ Fill out the loan application within the app.
3⃣ Once your application is approved, we'll deposit your money into your bank account.

? NO HIDDEN FEES
We'll show you a summary and details of everything you need to know before you accept the loan.

? WHAT ARE THE PAYMENT METHODS?
If you prefer to pay in cash or by bank transfer, we have different payment methods. Choose the one that best suits your needs:

? YOUR DATA IS ALWAYS PROTECTED
Your data will always be protected on our secure server. In addition, we provide our Privacy Notice. Therefore, you can rest assured that we will not share your personal data with anyone.

⚠️ IMPORTANT NOTES:
a. All loans are subject to credit approval.
b. On-time loan payments qualify for higher loan terms and amounts. Enjoy your credit wisely!