Is Facil Prestamo a direct lender in Colombia?

The reviewed materials do not establish that clearly. PARKWAY SAS is named on the homepage and ACTYSERVICIOS SAS in the agreement and app listing; verify the legal counterparty before accepting.

How much can Facil Prestamo lend?

The reviewed wording is COP 100,000–COP 3,000,000. A creditor can offer less, change the term or decline the application; the live proposal controls.

What does Facil Prestamo cost?

From 0.06% per day; official example shows 21.9% APR for COP 1,000,000 over 120 days, with the individual agreement controlling. Compare the written effective annual rate and total repayment, every commission and the total amount to repay in COP rather than relying on a headline.

How fast can Facil Prestamo send money?

100% online; supplier brief says payout up to 5 minutes after approval, while bank processing can differ. Verification, approval and bank processing can delay a transfer, so a match or approval message is not a payout guarantee.

Does Facil Prestamo check income or a credit file?

The exact data mix depends on the creditor and applicant. Read the privacy notice and ask which identity, income, database or open-banking checks are mandatory.

What if I cannot repay Facil Prestamo on time?

Contact the named creditor before the due date, request written options and keep payment records. Late fees, collection and reporting consequences are controlled by the agreement.

Facil Prestamo offer review · Colombia

Organization / product name	Facil Prestamo CO — online cash-loan and digital microcredit route
Provider type	Digital FinTech loan route; the legal creditor is not resolved consistently across official materials
Actual lender or lenders	Homepage names PARKWAY SAS; the loan agreement and app listing name ACTYSERVICIOS SAS; confirm who approves, signs and funds
Available GEO	Colombia
Available currency	Colombian pesos (COP)
Minimum loan amount	COP 100,000 (supplier brief; homepage selector starts at COP 100,000)
Maximum loan amount	COP 3,000,000 (supplier brief); the homepage “why choose” section says up to COP 2,000,000
Minimum loan term	91 days (supplier brief and official calculator)
Maximum loan term	365 days (supplier brief); the public selector currently shows up to 150 days and the agreement leaves the term blank
Base interest rate per day	From 0.06% per day (supplier brief and official representative example; not a universal quote)
Base interest rate per week	Not publicly disclosed as a fixed weekly rate
Base interest rate per month	Not publicly disclosed as a fixed monthly rate
APR / total cost indicator	Official example: 0.06% daily on COP 1,000,000 for 120 days, 21.9% APR, COP 72,000 interest and COP 1,072,000 total; no universal APR confirmed
Promotional or reduced interest rate	No universal promotional rate verified in the reviewed official materials
Conditions of promotional rate	Not publicly disclosed; any individual offer and signed agreement control
Grace period	Not publicly disclosed
Minimum borrower age	18 years (supplier brief and official eligibility page)
Maximum borrower age	60 years (supplier brief; the official page does not state a separate maximum)
Citizenship requirement	Colombian citizenship and a valid Colombian identity document
Residency requirement	Residence in Colombia
Required bank account	Applicant-owned Colombian bank account for the transfer
Required bank card	Supplier brief requests a bank card; the homepage emphasises an applicant-owned bank account, so confirm the route
Income requirement	No fixed income threshold; affordability and repayment capacity are assessed
Employment requirement	No fixed employment requirement; stable work may improve approval likelihood
Credit-history requirements	Payment capacity and behaviour are assessed; users on the provider’s blacklist are excluded
Disbursement methods	Electronic transfer to the applicant’s own bank account; supplier brief says up to 5 minutes after approval, not guaranteed
Repayment methods	Bank transfer, Efecty and online payment routes described in the agreement; processing fees are left as availability-dependent placeholders
Application review time	100% online approval flow; the supplier brief says the process can complete quickly, but no contractual approval time is guaranteed
Advertised time to receive funds	Up to 5 minutes in the supplier brief; verification, approval and bank processing can delay receipt
Early repayment conditions	Allowed on business days; the agreement leaves the exact calculation and any adjustment subject to availability
Extension or rollover	Not publicly disclosed
Late-payment charges	Moratory interest and possible processing charges are described, but the agreement leaves the rates and amounts as availability-dependent
Permitted loan purpose	Online cash loans for personal needs; the signed agreement controls any restriction
Legal entity	PARKWAY SAS is named on the homepage; ACTYSERVICIOS SAS is named as lender/company in the agreement and app listing
Company registration number	NIT 900.342.419-4 is reported by a secondary directory but was not independently confirmed in the official materials
Registered address	Calle 10 N.º 5-22, Bogotá D.C. (homepage footer)
Licence number	No separate licence number identified
Regulator	No specific regulator or supervisory registration was identified for this route
Licence status	Not independently confirmed; verify the contracting entity and current registration before signing
Customer-support channels	Official website and app channels; homepage lists weekday service hours of 09:00–18:00
Date checked	September 13, 2026

Editorial status · Approx. 9 min read · Offer checked September 13, 2026

Facil Prestamo review summary

Facil Prestamo is listed in the Borrow Radar Colombia directory for people searching for a préstamo rápido, crédito digital and crédito de bajo monto. The useful first question is what the brand actually does. Facil Prestamo is presented as a digital FinTech loan route rather than a clearly identified direct lender. The homepage names PARKWAY SAS, while the loan agreement and app listing name ACTYSERVICIOS SAS; confirm the legal counterparty that approves, signs and funds the agreement. This review keeps that distinction visible and treats the final Colombia agreement as the only reliable statement of who approves, funds and services the debt.

The profile describes Online cash loans and digital microcredit. The amount wording is COP 100,000–COP 3,000,000; the timing note is 100% online; supplier brief says payout up to 5 minutes after approval, while bank processing can differ; and the price wording is From 0.06% per day; official example shows 21.9% APR for COP 1,000,000 over 120 days, with the individual agreement controlling. These are orientation fields rather than a personal quote. Before accepting, record the net COP received, effective annual rate and total repayment, each commission, the total repayment and the exact debit date. A search for “Facil Prestamo préstamo rápido” can find a landing page, but only pre-contract information explains the obligation created by this application.

What role does Facil Prestamo play?

Facil Prestamo’s legal role must be confirmed from the current agreement. PARKWAY SAS appears on the homepage, while ACTYSERVICIOS SAS appears in the agreement and app listing; do not infer a direct-lender relationship from the brand or a speed headline. The reviewed route is a digital FinTech loan service, but the legal counterparty is unresolved because official materials name PARKWAY SAS and ACTYSERVICIOS SAS differently. That label is a research lead, not a substitute for the company that makes the credit decision, signs the contract, transfers money, calculates late charges and receives complaints. If another company receives your form first, read its privacy notice and save the consent wording before continuing.

Follow four separate stages: submission, verification, underwriting and payout. Facil Prestamo can provide the online application route; the entity named in the agreement must control verification, approval, funding, servicing and complaints. A positive match, text message or selector showing COP 100,000–COP 3,000,000 does not create an entitlement. Compare the legal name, tax identifier, address, complaints contact and data controller on the website with the final agreement. Any mismatch is a reason to pause and ask for clarification.

Brand, broker and creditor are different questions

Facil Prestamo is a digital FinTech loan route with an unresolved official entity record: PARKWAY SAS appears on the homepage, while ACTYSERVICIOS SAS appears in the agreement and app listing. Approval, pricing, repayment and complaints belong to the entity named in the signed agreement.

Facil Prestamo amount, cost and total repayment

Cost comparison for Facil Prestamo starts with the amount that reaches your bank account, not the largest number beside an application button. The reviewed amount wording is COP 100,000–COP 3,000,000. Ask how principal, interest, commission, optional service, transfer charge and any extension fee combine. The price clue is From 0.06% per day; official example shows 21.9% APR for COP 1,000,000 over 120 days, with the individual agreement controlling; reconcile it with a written representative example. effective annual rate and total repayment should be read together with the term because a short contract can make an annualised figure look extreme while still creating one difficult debit.

Build a three-line calculation before accepting: net cash received, each scheduled debit and the money left for rent, food, utilities, transport, medicine and existing debt. A “0%” or promotional first loan is conditional on amount and punctual repayment. Check the qualifying band, first-transaction rule, repeat price and late price. If the screen, email and agreement disagree, the signed agreement controls; save the versions and ask the creditor to explain the difference in writing.

Enter the Facil Prestamo principal and fee in the Colombia COP cost calculator.
Compare effective annual rate and total repayment with the total repayment and term.
Remove optional packages until their benefit and price are understood.
Check whether a promotion ends after the first transaction or a late payment.
Keep the creditor’s representative example with the final agreement.

Facil Prestamo application and eligibility

A careful Facil Prestamo application begins with identity and privacy checks, not speed. The listed requirements are Colombian ID, age 18–60, mobile phone, bank card or applicant-owned account and affordability checks; blacklist exclusions apply. A creditor may also assess regular income, existing liabilities, account ownership, fraud signals and affordability. “No salary” or “bad-credit” wording does not mean no assessment; it usually means a different data mix. The displayed maximum remains a ceiling for a route, never a promise that an applicant qualifies for it.

Before submitting, write down the amount, repayment date and income source expected to cover it. Use only the provider’s verified domain and read the aviso legal, privacy notice and pre-contract information. If Facil Prestamo or a responding lender requests another document, check why it is necessary and who receives it. A changed term, fee or creditor is a new proposal that deserves a fresh calculation rather than a click based on the original expectation.

Facil Prestamo data sharing and credit checks

Colombia loan forms can collect official ID, address, phone, income, bank details, account history and permissions to contact partner companies. For Facil Prestamo, the privacy controller, processing purpose, retention period and recipients should be named before the form is completed. Necessary underwriting is different from optional advertising. Where the interface allows it, decline marketing calls, texts and email while leaving only the permission needed to process a credit enquiry. Save a screenshot of the wording and date.

Facil Prestamo payout, repayment and late-payment risk

The funding note for Facil Prestamo is 100% online; supplier brief says payout up to 5 minutes after approval, while bank processing can differ. Treat it as conditional because identity confirmation, underwriting, acceptance, bank cut-offs, weekends and transfer rails can change arrival time. A matching result is not money in the account. Check whether a fee is deducted from the principal, keep the payout confirmation and compare the net amount with the contract. Do not spend an expected transfer before the creditor confirms both approval and the amount credited.

The term note is 91–365 days in the supplier brief; the public selector currently shows 91–150 days and the agreement leaves the term open. Put the due date beside salary, benefits, rent and existing debits in a Colombia repayment budget. If cash may be short, contact the named creditor before the date and ask for written options. Extensions, returned-payment charges, collection costs, legal interest and credit-file reporting can make a small loan much more expensive. Rolling one balance into another high-cost loan often postpones the shortfall instead of curing it.

Facil Prestamo availability and borrower rights

Facil Prestamo is listed for Colombia with the availability note Colombia; supplier brief excludes minors, people over 60 and blacklisted users. A website can be visible nationally while a creditor limits residence, age, income, bank, product or risk profile. Availability should therefore be checked at the same time as the named lender and current agreement. Look for a real legal entity, tax identifier, registered address, customer-service channel and complaints process. A polished interface or trade-association logo is useful context, not proof that an offer is suitable.

Read the agreement for early repayment, cancellation, formal notices and dispute escalation. Consumer rights and notice deadlines depend on the product, creditor and applicable law, so use the Superintendencia Financiera and Colombian consumer-credit rules or a local consumer office for current guidance. Keep copies of the form, consent screen, pre-contract sheet, agreement, payment receipts and complaints. For unresolved issues, seek qualified advice rather than relying on a marketing FAQ.

Alternatives and consumer checklist

The conditional case for comparing Facil Prestamo is narrow: the borrower understands the legal role, can afford the complete repayment from reliable income, sees the creditor’s identity, accepts the data path and has checked the live effective annual rate and total repayment and total COP repayment. It is a poor fit for a recurring budget gap, a request for guaranteed approval or a plan that depends on refinancing the first debit. The useful comparison is the smallest sustainable amount with a clear counterparty, not the fastest banner or highest limit.

Separate Facil Prestamo from the creditor that signs the contract.
Compare cash received, effective annual rate and total repayment, total repayment, fees and due dates in COP.
Ask which data, credit files and marketing permissions are involved.
Test the payment against essentials, existing debt and a minimum buffer.
Contact the creditor early if the due date may be missed.

Additional provider information about Facil Prestamo CO

Facil Prestamo describes a Colombian FinTech route for online cash loans. The supplier brief gives COP 100,000–3,000,000, 91–365 days, a starting daily rate of 0.06%, Colombian identity, mobile requirements, and payout in up to five minutes.

The official calculator starts at COP 100,000 and shows up to COP 2,000,000 for 91, 120 and 150 days. Its footer names PARKWAY SAS; the loan-agreement PDF names ACTYSERVICIOS SAS and leaves term, rates and fees as “Sujeto a disponibilidad”. The app uses ACTYSERVICIOS SAS. Confirm who approves, signs and funds the contract.

An official example uses COP 1,000,000 for 120 days at 0.06% daily: COP 72,000 interest, COP 1,072,000 total and displayed 21.9% APR. The agreement allows fees deducted from proceeds, Efecty and online repayment, while late or early-settlement calculations remain in the written terms.

The brief targets Colombian adults aged 18–60, with no fixed income, employment or education threshold; stable work can help, while minors, people over 60 and blacklisted users are excluded.
The PDF contains unresolved Peru/Mexico and CURP template references. Treat it as requiring clarification, not as proof of a Colombian licence.
No separate licence number or specific supervisory registration was found. Check the counterparty, NIT, fees, due date and complaints route before signing.

Frequently asked questions

Question 1Is Facil Prestamo a direct lender in Colombia?: Answer
The reviewed materials do not establish that clearly. PARKWAY SAS is named on the homepage and ACTYSERVICIOS SAS in the agreement and app listing; verify the legal counterparty before accepting.
Question 2How much can Facil Prestamo lend?: Answer
The reviewed wording is COP 100,000–COP 3,000,000. A creditor can offer less, change the term or decline the application; the live proposal controls.
Question 3What does Facil Prestamo cost?: Answer
From 0.06% per day; official example shows 21.9% APR for COP 1,000,000 over 120 days, with the individual agreement controlling. Compare the written effective annual rate and total repayment, every commission and the total amount to repay in COP rather than relying on a headline.
Question 4How fast can Facil Prestamo send money?: Answer
100% online; supplier brief says payout up to 5 minutes after approval, while bank processing can differ. Verification, approval and bank processing can delay a transfer, so a match or approval message is not a payout guarantee.
Question 5Does Facil Prestamo check income or a credit file?: Answer
The exact data mix depends on the creditor and applicant. Read the privacy notice and ask which identity, income, database or open-banking checks are mandatory.
Question 6What if I cannot repay Facil Prestamo on time?: Answer
Contact the named creditor before the due date, request written options and keep payment records. Late fees, collection and reporting consequences are controlled by the agreement.

Official sources used

Official Facil Prestamo homepageOfficial provider page · opens in a new tab ↗Official Facil Prestamo loan agreement (PDF)Official provider page · opens in a new tab ↗Official Facil Prestamo app listingOfficial provider page · opens in a new tab ↗

Source record checked September 13, 2026. Prices, eligibility and approval remain dependent on the live creditor agreement.

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