CashCaja: Préstamo en efectivo

CashCaja is a personal credit product regulated by the Superintendency of Banks of Ecuador. With CashCaja, you access safe, transparent and supervised financial services.

【Key Advantages】
✅ Get a personalized credit limit after initial verification
✅ 24/7 availability for disbursements and payments (within the approved limit)
✅ Limit increases automatically after each payment (subject to periodic evaluations)

【Product Details】
Amount: USD 30 to USD 5,000

Term: 91 to 180 days

APR: Up to 18.25% annually（0.05% per day）
Service fee: 10~25%
VAT: 12%
CAT: 151.1%-450.6%

For example, For a loan of $2,000 with a 91-day term, the fees charged are as follows: Total payment amount: $2,000 + $91($2,000 * (18.25% / 365) * 91) + $10.92($91 * 12%) = $2,101.92

【Requirements】
✔ Citizen/resident in Ecuador (18-45 years)
✔ Valid identity card
✔ Ecuadorian bank account

【Transparency Commitment】
• Rate in accordance with BCE Circular 049-2022
• Calculations certified by the Superintendence of Banks
• No hidden charges (Art. 64 Consumer Protection Law)

【Security】
Compliance with Data Protection Law:
• Data encryption under ISO 27001 standard
• We do not share information with unauthorized third parties

【Contact】
📧 cashcaja@credivari.com
🕒 Hours: Monday to Friday 8:30-18:30 (GMT-5)