Next, find out if you can access microcredits of up to S / 500 in case you have registered a Yape account with other financial entities.
Yape’s microcredits have become an opportunity for relief for more than one person looking to settle an account or cover an urgent need. At the end of 2022, the application made more than 130,000 loans through the digital wallet, a figure that confirms the demand of users to access credits. However, one of the most frequent doubts of users is whether they can request a Yape credit in case they have registered to the application with cards from other financial entities.
What are the requirements to request a Yape loan?
Note that to have a pre-approved credit it is very important to have a good credit rating. These are the requirements:
- Be affiliated with Yape. For now, these microcredits They are only available for Yape account with BCP card and Yape account with DNI.
- Your contact information as address, email and cell phone number must be updated in BCP. Any change can only be made at a bank agency.
- own the active debit card and no locks.
- Show good behavior and credit history.
- Have a pre-approved offer to access credit.
How do I know what type of Yape account I have?
The type of your Yape account will depend on how you registered. At the moment, there are four types Yape account: Yape with BCP, Yape with DNI, Yape account with DNI and Yape with other financial entities.
You can check this information, with the following steps:
- Enter the application Yape
- Enter the option Menu (the three lines in the upper left corner of your screen)
- Click on My profile: At this point you will visualize the type of Yape you are.
How do I request a Yape loan?
If you manage to meet all the requirements, follow these steps to apply for your loan:
- Enter your Yape apptouch the three lines at the top left of the screen and enter the section credits
- touch the button Begin
- Select the amount and date payment of your choice
- Confirm the data of your request pressing the button Request
- review and accepts the Conditions of the credit and credit insurance
- Enter the validation code that will arrive by text message and confirm the loan.
- Ready! Check out that the money has reached your account without problems.
How much is the interest rate for the Yape loans?
The amount you can requesting a loan is S/150, S/200, S/300, S/400 or S/500, what will depend on you credit history. The payment term is from 15 to 35 days, while the Annual Effective Cost Rate (TCEA) is 89.97%.
At the end of the period, you will cancel the amount you requested together with the interest. For example, If you request a loan of S/300 for a term of 30 days, you will pay S/16.47 in interest and credit insurance.
Yape provides credits of up to S/500. Find out what the interests are / Capture
What are the hours to request a Yape loan?
Yape reminds on its website that the hours to request credits are from Monday to Saturday from 6:00 a.m. to 10:00 p.m.
Source: Larepublica
Alia is a professional author and journalist, working at 247 news agency. She writes on various topics from economy news to general interest pieces, providing readers with relevant and informative content. With years of experience, she brings a unique perspective and in-depth analysis to her work.
