vana - Préstamos confiables

What vana - Préstamos confiables is and who it suits

If you need one cash sum quickly and already have a bank account, this is the kind of loan the app is built around. vana - Préstamos confiables is a lending app from Vana Financial Technologies. The money goes straight into the borrower's bank account, and repayments also go to the company's bank accounts, so the account is central to the whole arrangement.

On the listing's own terms, it suits someone who needs a single sum of up to L7,000 and can repay it over a set period of between 90 days and 12 months. It is not described as an open credit line that can be drawn on again and again. Each loan is a separate application.

Applying from the phone and getting the money

The application is completed inside the app. The listing says a reply arrives within minutes. If the loan is approved, the funds are paid directly into the borrower's bank account.

At the application stage, the borrower chooses a repayment period from the options offered. The range is 90 days to 12 months, depending on the request and on the credit product that is approved. The period is therefore not the same for every loan.

The listing says the limit rises to L7,000 once a borrower pays on time. Until then, the amount available is lower than the maximum.

Repaying, applying again and the cost of a loan

Repayment is made either as a cash deposit or as an electronic transfer to any of the company's bank accounts. The borrower then sends a photo or screenshot of the payment receipt through the app. The listing says that once a loan is paid, the borrower can apply for the next one.

The cost has several parts. The maximum annual interest rate is 32.4%. On top of interest, Vana adds administrative charges covering profile evaluation and validation, disbursement and transactions. Those charges range from L65 to L2,106, with IVA added. Paying early carries no extra charge.

The listing gives one worked example. A loan of L7,000 over 90 days comes to L7,938 plus IVA. That total includes L189 of interest and L749 in processing charges, with IVA added on top.

Who stands behind the loans and how to reach them

Vana says it is registered as a non-bank lender with the Servicio de Administración de Rentas, the SAR, and with the unit that monitors money laundering and terrorist financing, the URMOPRELAFT. It also says it belongs to the Honduran fintech association.

The privacy policy is hosted on the company's own website and is linked from the listing. Questions go to soporte@vana.hn or through vana.hn. The office address on the listing is Torre Nova 2, 9th floor, Novacentro, in Tegucigalpa.