See the E.A. rate, monthly payment and total cost. No hard credit-bureau check — comparing here leaves no trace.
This is a simulation; it doesn't land on your bureau record.
We work with the main lenders in the Colombian market
Move the amount and term. The cheapest comes up first.
One screen. No endless form.
Sorted by E.A.. Cheapest first; you take it from there.
We send you to the bank's or fintech's site. The application happens directly with them.
Consumer loans, cards, refinancing, car loans and mortgages.
No. We charge banks and fintechs a commission when someone reaches their product through our comparator. Your payment, rate and terms are exactly the same as going directly to their office or app.
From the partners. The lender pays us once your application reaches their system. That commission isn't passed on to you — it sits outside your loan's cost, and it doesn't decide the order you see offers in.
No. Moving filters, simulating payments and opening the calculator isn't a credit check. The mark appears only when you sign a formal application with the bank or fintech.
What money costs over a year with compounding already included — the only figure that lets you truly compare two loans. Careful: handling fees and insurance sit outside it; always ask for them.
The legal interest ceiling: 1.5 times the Interés Bancario Corriente the Superintendencia Financiera certifies monthly. No formal lender can charge above it. Low-amount credit has its own, higher ceiling — which is why small-loan fintechs charge more without being illegal.
Banks offer long terms and high amounts but want provable income and a healthy file, and take two or three days. Fintechs approve within hours and flex on imperfect profiles, in exchange for a higher rate and smaller amounts. Formal payroll and a clean file: the bank almost always comes out cheaper.
In bank personal loans, up to 150 million pesos at the product ceiling — typical disbursements run 2 to 30 million, roughly 6-8 times your monthly income. At fintechs, 150,000 to about 4 million, and the first loan always starts small.
Yes, more than you think. Libranza payroll loans (ExcelCredit, Bayport) approve via salary or pension deduction even with a report, and Lineru reads your cash flow more than your history. And under Law 2157, negative reports expire: at most twice the length of the delay, capped at four years from payment.
Informal daily-collection lending, no contract, rates several times the legal ceiling and strong-arm collections. Any formal loan on this page — even the priciest — has a rate cap, regulated collections and builds your credit file. That's the whole difference.
It hinges on one habit: defer purchases to one (1) instalment and pay the statement in full — no interest, free history-building. Default to 24 instalments and you hold one of the formal market's most expensive debts.
A valid ID, a mobile number in your name and your own bank account. For bank-sized amounts, add an employment letter or three months of statements; the self-employed pass with statements and their RUT.
Yes, penalty-free — it's a consumer right in Colombia. The payment goes to principal and cuts future interest. When closing, get the written paz y salvo and check after 30 days that your report shows the account settled.