Loans and credit v APK (MOD, Premium Unlocked) Free For Android


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Loans and credit

All loans beneath Loans and credit score fall inside the following phrases:

Minimal reimbursement interval = 90 days

Most reimbursement interval = one year

Most APR = 15%


Consultant instance

Mortgage quantity – USD 100

Time period of mortgage – 3 months

Curiosity per yr 12%

Service price – None.



Curiosity is 12% x USD 100 X 3/12 months = USD 3

Month-to-month funds = USD 34.33 (comprising USD 33.33 principal + USD 1 curiosity)

Whole quantity to repay = USD 34.33 x 3 months = USD 103 (comprising USD 100 principal + USD 3 curiosity)


Whole price of the mortgage, together with all relevant charges = Service Charge 0 + Curiosity USD 3 = Whole Value of Mortgage USD 3


Essential discover: Loans and credit score(in contrast to the lenders who might register on the app) doesn’t lend cash on a business foundation. We offer a progressively safe platform the place debtors and lenders can discover one another and begin a transaction.


To that finish, we might provide curiosity free grants with no mounted reimbursement interval. We encourage, however don’t power, debtors to repay our curiosity free grants. On reimbursement, debtors construct a great reimbursement observe document.

This helps registered lenders (licensed, the place relevant, within the jurisdictions they function and vetted by us) to judge the reimbursement capability of debtors, earlier than lending to the debtors beneath phrases that don’t exceed the utmost prices of loans allowed by Loans and credit score phrases and circumstances.


We offer a system the place debtors can evaluate lenders (and vice versa) and a mechanism to file complaints the place there’s abuse or unethical conduct.


Lenders close to you. Loans and credit score gives a registry of lenders in every nation to offer debtors as vast as attainable a selection when on the lookout for finance. Loans and credit score affords the choice of switching international locations, so {that a} borrower can examine on the lenders in different international locations. For instance, a borrower in Lagos, Nigeria can see whether or not there are any cross-border lenders from Nairobi, Kenya and even New York, USA.

Mortgage functions. Lenders spend loads of advertising cash looking for debtors who match their goal market. Loans and credit score gives an abundance of mortgage functions from all around the world (grouped by nation), the place registered lenders can be capable to begin a dialog that may result in a mortgage.

Register of defaulters. Defaults trigger losses to lenders, particularly personal lenders who haven’t any entry to credit score reference bureaux. That lack of understanding additionally harms debtors, as a result of lenders have no idea easy methods to worth their loans. Ignorance on defaulters is solved by Loans and credit score by offering a member’s solely accessible register of defaulters in each nation.
References. In a bit to extend creditworthiness, debtors might listing family and friends as references for lenders to see. That is finished by the My References part in Loans and credit score. A borrower in Chile with ten associates as his references is a greater lending threat than a borrower in Paris with no listed references.
Authorized paperwork. We offer lending contracts, declare kinds, mortgage functions kinds and different authorized paperwork to be used by lenders and debtors.
Lender opinions. Which lender was troublesome of their approval course of? Who as thoughtful throughout default? Which lender provided transparency of their lending course of? The lender evaluate part permits customers to offer suggestions on their expertise in order to assist different customers educate themselves.

Bounties and rewards. Are you providing a reward for the tracing of a debtor who has absconded with a mortgage? We now have a big worldwide consumer base of bounty hunters in each nation that may provide help to observe lacking debtors.

Debt collectors. Do you could have a debt that you really want collected? Loans and credit score has a debt assortment platform that connects you with registered debt collectors which are efficient {and professional}.

Attorneys. Have you ever been handled unfairly or has there been a breach of a lending contract? We now have a legal professionals part the place legal professionals who’ve experience in mortgage disputes.

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