This morning, Yape, the most popular mobile wallet among Peruvians, announced that in the coming days it will be launching new features for its users; Among them, it stands out that microcredits of S / 150 and S / 200 can be requested.
“It will be very simple and will allow the yaperos to get out of trouble. We hope that in the next three months we can reach 60,000 microcredits and exceed one million yaperos with microcredits by the end of this year,” said Raimundo Morales, general manager of Yape, at a press conference.
Yape detailed to The Republic that the loans will be S/ 150 and S/ 200 for 15, 20, 25 or 30 days, so users must pay an amount based on the Annual Effective Cost Rate (TCEA) which is 80%. That is, for a credit of S/ 200 for 30 days, the user will pay a commission of S/ 5.
Who will be able to access microcredits?
Yape is known to have two types of users: those who have an account with BCP and those who are only registered with their DNI. For now, due to its launch, only users who have an account will be able to access microcredits.
In addition, those people who have never received a loan in the formal financial system will be able to benefit. It is estimated that there are more than three million users with these characteristics.
What are the other releases?
We present here the calendar of the next releases that benefit all users who use this application.
- As of July 15: launch of recharges for a park of more than three million yaperos with DNI
- As of July 19: launches of microcredits in which it is expected to place 60,000 in the next three months.
- As of August 15: launch of Yape Promos, which will seek to give the best offers to its yaperos
- As of August 31: launch of Payments for services with five companies.
“The achievement that makes us most proud is that today there are more than two million Peruvians who previously had no relationship with the financial system, and today they are yaperos and have a bank account and transact. We have managed to include them financially”, added the general manager of Yape.