KooPlata - Tu app en Guatemala

KooPlata is a personal loan app designed to offer fast, transparent, and accessible credit options for people who need immediate financial support. No physical paperwork is required, and the entire process can be completed from your mobile phone. Key features of KooPlata: 📌 Online application, no in-person procedures ⏱ Fast evaluation and automated process 🔐 Data protection with encryption and restricted access ✅ We comply with local legislation on consumer protection and personal data Product information: - Available credit: Q150 - Q500 (The credit amount will be granted according to your financial profile) - Duration: 150 - 180 days - Daily interest: 0.01% - 0.1% - Annual Percentage Rate (APR): 3.65% - 36.5% - Service charge: 5% - 10% - VAT applicable to service charge and interest: 12% (Official government information at https://portal.sat.gob.gt/portal/preguntas-frecuentes/principales-impuestos-guatemala/) Example if the user requests a personal loan From Q500 to 150 days - Amount: Q500 - Duration: 150 days - Interest: Q500 x 0.036% x 150 ≈ Q26.78 - Interest + VAT: Q26.78 + Q26.78 x 12% ≈ Q30 - Annual Percentage Rate (APR): 13.14% - Service Charge: Q500 x 8.03% ≈ Q40.17 - Service Charge + VAT: Q40.17 + Q40.17 x 12% ≈ Q45 Total Payment = Loan Amount + Interest (including VAT) + Service Charge (including VAT) VAT = Q500 + Q30 + Q45 = Q575 Refund: Q575 in 5 installments over 150 days = Q575 / 5 = Q115 Application Process: 1. Download the app and register with your mobile number 2. Complete your basic information and choose the desired amount 3. Wait for the evaluation results 4. Receive the funds directly into your bank account Privacy Policy: At KooPlata, user privacy is a priority. All personal data is collected with informed consent, used solely for credit risk analysis and fraud prevention, and stored securely. 📖 See our Privacy Policy for more information: https://kooplata.com/gt/privacy Contact: If you have any questions or need support, please feel free to contact us: 📧 Customer service email: contacto-gt@kooplata.com