Skip to content
Loans

Quick Loan

Approval in minutes, same-day disbursement.

Note: The calculation shown is for informational and reference purposes only. The installment shown does not include the mandatory insurance associated with the loan. The final value is subject to the credit study, approval conditions and applicable costs.

Quick Loan
I want it

Choose your Agile plan

Instant revolving loan, pick the limit you need.

Agile Basic

Up to $3M approved limit
  • Approval in under 5 minutes
  • 3 to 12 month terms
  • No co-signer or paperwork
  • Reusable as you pay installments
Small emergencies and unexpected expenses.
I want it
Benefits

What does it offer?

100% digital approval in under 15 minutes

Same-day disbursement to your account

Amount up to $10M COP

Term between 3 and 24 months

No paperwork or co-signer

Everything you need to know

Know more about your credit

Everything you need to know at a glance.

Amount
Up to $10M COP
Term
3 to 24 months
Rate from
1.9% monthly
Approval
Under 15 minutes
Requirements
Only ID, no paperwork
Type
Revolving — reusable
Coverages and uses

What can you finance?

These are the coverages and uses of your loan.

Emergencies

Urgent health, repair or any unexpected expenses.

Urgent purchases

Appliances, tech or any purchase that can't wait.

Repairs

Fix appliances, vehicle or home immediately.

Expense coverage

Quick cash outflows before your next payroll or income.

Simulate your Crédito Ágil
Calculator

Simulate your Crédito Ágil

Calculate your exact installment before requesting.

Our simulator shows you the amount, term and estimated monthly installment. No commitments.

Go to the simulator

Ideal for

Emergencies or urgent expenses without long process.

Interested?

Write to us and an advisor will get in touch.

Request more information
All included

Mandatory insurance included

Basic debtor life protection included automatically in the Ágil line.

Basic debtor life

Covers outstanding balance in case of death or total permanent disability.

Automatic activation

No paperwork: insurance is active from first disbursement.

Monthly premium of 0.30%

Over the used revolving balance, included in your monthly installment.

Requirements to get it

Requirements to obtain it

Minimum requirements for the Agile Loan with 24-hour disbursement.

Membership as a partner

  • Original valid national ID card (or foreigner ID for non-Colombians).
  • Be of legal age (18+) to hold the product.
  • Fill in the single INOVACOOP membership form.
  • Personal-data handling authorization (Law 1581/2012).
  • Authorization to consult and report to credit bureaus.
  • Payment of the minimum membership social contribution.

Agile-loan exclusive requirements

  • Minimum six (6) months of membership.
  • Active payroll or savings account with regular deposits (at least 3 movements per month).
  • Good verified payment habits in the last 12 months.
  • Employment or income certificate (digital formats accepted).
  • Mandatory borrower life insurance (monthly premium included in the installment).

AML compliance (SARLAFT / FATCA)

  • Know-Your-Customer form (SARLAFT), duly signed.
  • FATCA / CRS form declaring foreign tax obligations.
  • Written declaration of the lawful source of funds and assets.
  • Two personal and two commercial/family verifiable references.
Documents must be current and original. INOVACOOP may request additional information based on credit or risk analysis for the product.
How to open your account

Request in a few steps

Visit our office to see your approved limit and sign.

Physical branch

Personal advisory
An advisor guides you through the whole process.
  1. 1 Visit your nearest INOVACOOP branch with your original ID.
  2. 2 Ask an advisor about the "Crédito Ágil".
  3. 3 Fill in the application form with the required documents.
  4. 4 Sign the physical promissory note and contract with the advisor.
  5. 5 Receive the disbursement by check or transfer the same day.
Visit a branch
Full transparency

Rates and fees

Know current rates and costs associated to your loan.

Monthly nominal rate 1.90% monthly
Effective annual rate 25.34% EAR
Debtor insurance 0.35% monthly of balance
Administration fee $8,000 COP monthly
Prepayment No penalty
Late fee Current usury rate

Rates are estimates and depend on your individual credit study.