vana - Inscritos en la SBS

What vana is and who it is for

vana is a mobile lending app from Peru. You use it to request a personal loan of between S/100 and S/1,250, and the money goes straight into your bank account rather than being handed over in cash. The listing describes the whole process as happening on your phone.

The app is aimed at people who need a small sum at short notice and who want to apply without visiting a branch. The listing says a decision comes back within minutes of completing the application. Loan terms are set per borrower, so the amount and repayment period you get depend on your request and the product approved.

Applying for a loan from your phone

You fill in the credit application inside the app. The listing says you receive an answer in minutes, and if it is approved, the credit is paid directly into your bank account.

The listing states that to check your identity and credit standing, the app asks for access to your text messages, calls and other information. It says this data will not be shared or used without your consent. The privacy policy is linked from the listing.

Repaying a loan and borrowing again

Repayments can be made through Yape, with a cash deposit, or by electronic transfer to one of the lender's bank accounts. Those are the three methods the listing names.

The listing says that once you have paid, you can apply for your next loan. It also says that paying on time can lead to loans of up to S/1,250. Loans can run for anywhere from 90 days to 12 months, depending on the request and the approved product.

What a loan costs, line by line

The listing gives a maximum effective annual rate (TEA) of 83.90%. It also says the service carries administrative charges, disbursement costs, fees for collecting from third-party accounts, and charges for assessing and validating your credit profile. Together these can add up to S/550, plus the General Sales Tax (IGV).

The listing works through one example: a S/1,000 loan over 90 days. In that example, interest is S/123.67 and a digital formalisation fee is S/422.88. The total cost of credit (CTC) is S/510.58, and the total to repay is S/1,549.00, plus IGV.

The example is what the listing uses to show the cost. Your own figures will depend on the amount, the term and the product approved.

Who the lender is and how to reach it

The loans are provided by Vana Peru S.A.C., which the listing says is registered as a loan company with the Superintendencia de Banca y Seguros del Perú (SBS). The registration number and the SBS name appear in the app's title.

The listing gives a support email at soporte@vana.pe, a WhatsApp number, the website vana.pe, and a street address in Miraflores, Lima.