A personal loan can help you achieve your short- and medium-term financial goals, giving you the flexibility to manage everyday expenses, cover unexpected costs, or finance the plans and projects that matter most to you.
APPLY FOR YOUR LOAN
Apoyo Financiero gives you the opportunity to turn your plans into reality with a personal loan. Take the trip you’ve always dreamed of, pay for your children’s education, invest in tools or home improvements, send money to your loved ones in your country of origin, or simply enjoy quality time with your family.
Interest rate: Fixed
Representative Example: An applicant in California**, who meets income and other credit history requirements could receive a personal loan for $2,400.00 with a term of 36 months*, an origination fee of $90.00 and an APR of 34.9363%. In this example, a customer would receive a $2,400.00 loan and would make 36 monthly payments of $108.48 each. Total repayment would be $3,905.28 over the 36 month life of the loan, including all interest and applicable fees.
*In California, loan terms may range from 6 months to a maximum of 60 months, depending on the loan amount.
**Pilot program loans in California are subject to a maximum annual interest rate of 35%.
Representative Example: An applicant in Texas, who meets income and other credit requirements could receive a personal loan for $2,400.00 for a term of 36 months with an annual interest rate of 30%, origination fee of $125.00 and an APR of 34.05%. In this example, a customer would receive $2,400.00 deposited into his or her account and will make 36 monthly payments of $107.28 each. Total repayment would be $3,862.08 over the 36 month life of the loan, including all interest and applicable fees. The actual rate depends upon credit score, loan amount, loan term, and credit usage and history, and will be agreed upon between the customer and Apoyo Financiero, Inc. Maximum Loan Repayment Term: 60 Months, Minimum Loan Repayment Term: 6 Months, Origination Fee: $125.00.
If you are a resident of California, you can apply in any of our branches with current personal identifying documentation (Official ID, Consular Registration Card or Passport), proof of income (check from your company) and proof of address.
We recommend you to have the above mentioned documents at hand.
One of our branch executives will be able to advise you, or you can call us at 800-891-2778.
Of course, we recommend you speak to one of our branch executives for advice, or we can also provide you with information at 800-891-2778.
Yes, it can be a family member. Also, they can add their income together to make it easier to get your loan.
Fourteen-monthly, bi-weekly or monthly payment terms depending on the amount of your loan.
-No need to pledge
-No penalties for prepayments.
-You can renew a loan even if you have another loan (increase the amount of your loan).
Yes, we do charge an administrative fee, but this fee is not deducted from the amount you requested, since it is already considered in the payments you are going to make.
We will give you an answer within 2 business days. In most cases, the loan is delivered to you two days after you have submitted all the documentation and the corresponding verifications have been completed.
With a check made out to you or a deposit to your debit card.
You can make your payments from our Apoyo Financiero Mobile App (link to the Mobile App section) or if you prefer to make your payments in cash, you can make them through the PayNearMe network at any Walmart, 7-Eleven, Family Dollar or CVS store.
For more details, visit our payment options page
You should go to your nearest branch and ask an executive to update your information. You can also call Customer Service at 800-891-2778.
Yes, you have several options:
– Making principal payments.
– Paying off your loan early.
As in all the credits or loans that you contract, late payments generate late interest ($14 dollars). We recommend you to be aware of your payment days, pay your principal and make early payments whenever possible. Remember that a healthy credit history is the open door to another loan with us and other lending institutions.
Sure, as many times as you need, you just need to be current on your payments.
Where can I contact you for general assistance or to file a complaint?
You can call 800-891-2778, send an email to contactus@apoyofin.com or fill out the attached form (this form must be added in the CONTACT US section).
