19 Martiçin HELA PESA uygulama analizi

Hela Pesa provides personal loans for a minimum repayment period of between 90 days and a maximum repayment period of 12 months. Personal loans range from Ksh 500 to Ksh 200,000 Tenure: 3 months to 2 years. Interest rates range from 2%-15% depending on the risk profile of the customer. Example: Borrow Ksh 1,000 at APR of 60% (per annum) with tenure of 3 Months Interest = Ksh. 1000 * 60%/ 12 * 3 = Ksh. 150 Total amount disbursed will be Ksh 1000 Total amount to repay will be Ksh 1150 (Ksh 1000 + Ksh 150) Three monthly payments of Ksh 383.33 Personal loan rates and fees Loan Amounts: Ksh 500 to Ksh 200,000 APR/Interest rate: 30%-180% (Monthly interest: 2.5% to 15%) Processing fee: None Onboarding fee: None TERMS: We offer loans that are payable for a minimum of 90 days and a maximum of 2 years. HELA PESA is a loan service application that is specially designed to give clients access to quick, convenient and affordable mobile loan products anywhere and anytime. Loans are disbursed and paid using the mobile money transfer services like MPESA. To access the service, download the app, complete registration process and wait for account activation. Once account is activated, loan limit is availed which is the loan ceiling. This limit is pegged on the ability of the client to repay that is derived from the financial and other data provided by the client. You can also switch between modules in order to activate and access other products like salary loans, mobile loans among others The app also provides a convenient platform for loan repayments enabled by the integrated mobile money payment service. Data and transactions are highly secured to provide clients with a secure business environment. This application is a product of Hela Capital Ltd that prides in providing convenient financial services, anywhere and anytime.