DEM

DEM is a digital loan service offering loans from 100,000 to 1,000,000 MNT directly through a simple application process. Users register, verify their phone number, and receive personalized loan offers based on their credit information. With no service fees and monthly interest rates between 2.63% and 2.79%, DEM provides transparent and affordable financing options.

Loan terms range from 3 to 9 months with an APR of 32% to 34%. After approval, users sign a formal contract in person and receive their loan amount transferred directly to their bank account. DEM aims to make borrowing straightforward and accessible for Mongolian customers.