Préstamo Sencillo-Ágil, Fácil

Name: Préstamo Sencillo-Ágil, Fácil
Author: Cashmore, S.A. de C.V.

1.1.4

Caution

Cashmore, S.A. de C.V.

1M+ installs

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a simple and reliable online personal loan mobile application.

Préstamo Sencillo-Ágil, Fácil: small unsecured loans

By Priya Raghavan

Senior reviews editor

Unsecured loans from MXN 800 to MXN 20,000
Terms of 91 to 365 days, set by a credit assessment
Annual rate capped at 18%, daily rate of 0.05%
Sign-up with a mobile phone number, then an online form
Funds deposited directly into your bank account

A phone-based personal loan service

Deciding on a small loan usually comes down to one question: can the repayments fit the months ahead? Préstamo Sencillo-Ágil, Fácil is an app for taking out unsecured personal loans, which means no collateral is asked for. Amounts run from MXN 800 to MXN 20,000, and the whole process, from sign-up to application, is handled on the phone.

The developer describes the service as aimed at people who need funds urgently. The listing sets two broad conditions for applicants: being over 18, and having a good credit history together with a stable job or income. Both are stated as conditions of the loan rather than as preferences.

Registering and applying from a phone number

Registration uses a mobile phone number. After that, the applicant fills in the loan request form, selects the amount and the term they need, and submits the application online. The listing promises a quick approval once the form is in.

The amount offered and the approval period are set by the result of a credit assessment of each applicant. Two people asking for the same sum may therefore be offered different terms. The listing says this directly, and it is the main thing an applicant should expect the outcome to depend on.

Choosing an amount and term from the product range

The listing describes a range of loan products, and the applicant picks the one that suits their situation. Within the product limits, the amount is between MXN 800 and MXN 20,000, and the term is between a minimum of 91 days and a maximum of 365 days.

Interest is capped at an annual rate of 18%, with a daily rate of 0.05%. The listing works through an example of 10,000 pesos over 120 days. It gives monthly interest of 150 pesos, a monthly payment of 2,650 pesos, total interest of 600 pesos and a total repayment of 10,600 pesos, and it says no other charges apply in that example. Payment methods are described as flexible.

Receiving the money and the privacy commitment

Once a loan is approved, the funds are deposited directly into the borrower's bank account. The listing does not describe any other way of receiving the money.

The developer lists protection of users' personal data among the app's features, and says it will do what it can to keep customers' personal information private. Questions go to the email address given on the listing, which is staffed from 09:00 to 18:00, Monday to Sunday.

About this APK

The build we hold is Préstamo Sencillo-Ágil, Fácil 1.1.4 (APKS split bundle) for Android 8.0 and up.

Version: 1.1.4; 15
Requires Android: 8.0+
Size: 12 MB
Target Android: 16

Package ID: app.sencilloan.bajo
Format: APKS split bundle
Malware scan: Flagged by 2 of 66 engines
Permissions: 17 declared · 3 sensitive; Camera
Read phone status and identity
Read your SMS messages
Signed by: CN=Android, O=Google Inc.
Certificate SHA-256: d63c75b0f4dfbd9ff1285996c1951fdb4e7efb0c7f79103319b14213acdffcf9