CÍVICO

With the CÍVICO app you can access different tools that will allow you to strengthen your business and take it to another level.

In addition to being able to request a loan online and tailored to your needs, you will be able to create and manage your business virtually and facilitate new means of payment for your clients.

We offer you free training that will allow you to enhance your skills as an entrepreneur and easily put them into practice in your business.

We help you attract customers to increase your sales and be able to pay your credits! Do not miss the opportunity to download this app that will become an ally in the growth and strengthening of your business

At CÍVICO you will find credit quotas specially designed to grow and strengthen your business.

As a complement and thinking about your needs as a merchant, we offer you useful online training tools, new payment methods for your customers and we help you take your business to the digital world as a new sales channel.

👉 If you have had a business for more than a year and need money, we have the solution for you. We want to give you a hand just when you need it! We do not consult risk centers, nor credit life

📲 Download the application, go to "My credit" follow the steps, upload the documents and wait for the status of your request, once approved it will be easily disbursed to your Nequi account

How do our credit quotas work?

- 🗓 We accommodate your availability: With CIVICO you choose the term of your credit quota and the frequency of your payments. We offer you weekly, fortnightly or monthly payment frequencies that you can distribute over a period between 3 and 18 months. If you want to make your payment in full before the agreed time, there is no problem.

- 🤝🫂 We are interested in being on your side: The interest rate of our credit quotas is below the maximum authorized by the Bank of the Republic (This changes monthly). You will not lose this benefit if you pay your installments on time!

-📱All from your app! You can request your credit, calculate and configure your credit installments, and make the monthly payment of your obligation through your application from wherever you are, you just have to have an internet connection. You can also access the benefits that Cívico has for you: Online training, payment methods and digital presence. Get the most out of your app

- 🗣 ​​Let's talk clearly In addition to the monthly fee of your credit quota, you will have to pay a one-time administration cost of $24,000, the value will be the same for all types of credit and you can finance it if you require it.

- 🫣 We don't see it coming, but if something goes wrong... For each day in arrears we will charge you interest that is equivalent to the maximum amount stipulated by the Bank of the Republic and will be applied to the capital value of your monthly fee. If more than 31 days are past due, you will be charged a penalty ($25,000) that corresponds to the collection costs added to the corresponding default interest.

- ⚡ We are ready with all our tools to be your allies and start seeing your business grow together. Download the Cívico app right now and take advantage of everything we have for you! 🫶

* General conditions:

* General conditions:

- CURRENT interest rate: TEA 33.00% E.A. equivalent to 2.4050% monthly and DEFAULT RATE: 35.25% E.A.

* For this month of September 2022:

- The current interest rate increases being less than the maximum legal rate in force
- The default rate if it is adjusted to the rate defined by the Financial Superintendence of Colombia for the month of September 2022
- The administration fee will be $26,000 pesos for any amount of credit disbursed. Increase. It will continue to be funded.
- The moratorium sanction will be $28,000 pesos, per installment if it exceeds 31 days of non-payment. Increase.