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RapiCredit is the biggest micro-lending fintech in Colombia. RapiCredit started its operations in Colombia in 2014 and finances consumer loans to individuals from COP $200.000 to COP $1.000.000, with interest rates at Lendermarket up to 18% for their mid-term loans up to 180 days.
They offer a buyback guarantee after 60 overdue days. NPL(non-performing loans) is stabilised at 6.5% for 360 dpd. Their purpose is to integrate and bring to the millions of Colombians who do not have access to traditional banking, and who in many cases are served by informal credit, credit solutions that allow them to improve their lives.
The company supports financial inclusion, fighting informal loans in Colombia and opening the door to the traditional banking system to almost 36% of its clients. They believe that the best effect is produced when the players in the ecosystem are integrated to provide solutions to Colombians or complement them, bringing about the financial inclusion required for social development, and that Colombia is the platform to make the leap to the Latin American region.
Loan Originator
RapiCredit
Group guarantee
No
Skin in the game
10%
Average interest rate
15.56%
Buyback obligation
Yes
Loan type
Consumer
Operating since
2006
LM default rate
0%
This content is for informational purposes only and does not constitute financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions. Past performance is not indicative of future results and investing involves risks, including possible loss of principal.
*It is not a guarantee of returns. Investment in crowdfunding projects entails risks, including the risk of partial or entire loss of the capital invested. Additionally, you may not receive any return on your investment. Your investment is not covered by the Deposit Guarantee Scheme.
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