FAQs
¿Qué relación tienen dale! y Plurall?
Plurall es corresponsal digital de dale!, por lo que a través de las aplicaciones de Plurall los consumidores podrán acceder a los productos y servicios financieros ofrecidos y operados por dicha entidad financiera.
How do I contact Plurall?
You can contact us through our email hola@plurall.com
Where can I pay my Plurall credit?
Puedes pagar a través de PSE en nuestra página web, ó en corresponsales bancarios. Dirígete a nuestra sección “¿Cómo pagar tu crédito?” para más detalle.
What fees does the Plurall account have?
None. Our digital account is free of fees. You will pay $0 for using it.
Is Plurall a bank?
No. Plurall es una fintech que utiliza tecnología propia y de terceros para ayudarte a lograr tus objetivos de inserción al ecosistema de pagos digitales y acceso a crédito. Las cuentas de depósito electrónico y las tarjetas débito Visa que puedes abrir y solicitar mediante nuestra plataforma, son administradas por Aval Soluciones Digitales (“dale!”), una entidad financiera, la cual se encuentra vigilada por la Superintendencia Financiera de Colombia.
Does Plurall uses intermediaries?
No. Plurall is a 100% digital company and we do not have intermediaries. This helps keep our costs low so we can pass along the savings to you. Avoid being a fraud victim with third parties that appear on our behalf offering you help. Our service is so easy and simple you don't need anyone helping you!
It's easy! Once your Plurall account is created, click on the "Request credit" button and follow the instructions. We will ask you for information about your economic activity and your business.
Forget about requirements, photocopies and documents. In Plurall we will only ask you: Be a Colombian citizen over 18 years old, have a business of any size, and have your TIN.
Yes. Plurall, through its allies, reviews people's credit history in order to assess credit viability.
Yes. The credits that we deliver in Plurall have the objective of supporting microentrepreneurs or small businesses in the different stages of their business. To obtain it, you must necessarily have a business of this style. Our credit is not for individuals or “free investment”, because our purpose is to promote the growth of small and medium-sized companies.
If you request a loan without owning a business, it probably won't get approved. Cheer up! If you have a business idea, perhaps this is the signal you were looking for to start.
No, Plurall is a 100% digital entity and the entire process is done through our website. We do not have physical offices or intermediaries.
The credit that Plurall delivers is a microcredit: A low-amount loan that small or medium-sized companies can access to boost the growth of their business. According to the Financial Superintendence of Colombia (SFC), a microcredit cannot exceed 25 current legal monthly minimum wages (SMMLV), that is, about $25 million pesos.
We can lend you from COP $ 1,000,000 onwards.
We can lend you up to $ 8,000,000 COP
For your first credit you will not be able to request amounts greater than approved. If it is a renewal you can go to your profile, select the option of your business and report other information such as statements of your bank account, the photo of your business or an invoice of your business.
All Plurall credits have a 3-month term.
Nuestras tarifas incluyen:
1. Tasa de interés: 45% Efectivo Anual
2. Ley Mipyme: 4.5% – 7.5%
3. Fondo de Garantías de Antioquia: 5.5% + IVA
4. Seguro de vida deudor: 3.200 + IVA por cada millón que te prestemos.
Si quieres conocer el costo final de tu crédito, te invitamos a usar nuestro simulador para que veas el valor de tu cuota final.
At the moment, no. Being reported in risk centers is one of the variables that we take into account in the evaluation of our potential clients.
Tenemos en cuenta todos los datos que encontramos en tu RUT. Estos datos entran a un algoritmo Machine Learning que evalua toda la información, analiza cerca de 500 variables y nos ayuda a construir un perfil de riesgo y monto adecuado para ti y para tu negocio.
The disbursement takes between 4-5 business hours. You receive it directly in your account and you can use it with your Emprendedora Plurall card
El desembolso es en línea una vez termines el proceso y vas a poder usarlo con tu tarjeta Plurall
1. After receiving your data, our platform analyzes your answers and connects with external databases to confirm a response. The decision takes into account about 500 variables of your financial profile and therefore, it is very difficult to confirm an exact reason.
2. If we do not approve a value amount to the requested, it is because our algorithm found that your borrowing capacity is still not enough and we prefer that you start your way with a small amount.
a. Intenta tener al menos una cuenta a tu nombre (Ej. celular, tarjeta de crédito personal, televisión) y demuestra un buen comportamiento de pagos.
b. Si tienes deudas mantente al día en el pago de tus obligaciones.
c. Si estás reportado en centrales de riesgo, revisa tu estatus y ponte al día lo más pronto posible.
What we suggest you do is use your credit very well, use your account and Entrepreneur card as much as possible, and pay your fees on time.
Once you finish your first credit you can request a renewal, and depending on your behavior it will be for a higher amount.
Our recommendation is that you make good use of the credit, paying your installments on time which will generate a good payment behavior, so that in a next application we can lend you a higher amount and with a longer period of time.
Puedes pagar tu crédito con Plurall en cualquiera de los siguientes canales:
1. En nuestra página web www.plurall.com a través de PSE, tarjeta crédito o débito.
2. Corresponsales bancarios como Efecty, 4-72 y PuntoRed.
3. A nuestra cuenta Bancolombia.
4. En tu app Plurall.
Pagar tu crédito en Plurall es muy fácil: Lo puedes hacer a través de tu app Plurall, ó en nuestra página web vía PSE o tarjeta débito y crédito, o en nuestros canales físicos como Efecty, PuntoRed y 4-72. También recibimos pagos vía Bancolombia y Nequi.
Si tu crédito supera el tiempo pactado para pagos, nuestro departamento de cobranza te contactará para intentar llegar a un acuerdo y que puedas cancelar tu deuda. Si el tiempo de pago supera los 180 días sin que tengamos un acuerdo de pago, tu deuda será remitida a una empresa externa de cobranza lo cual incrementará el cargo de tu crédito por un 8% del capital solicitado.
If you pay after the date agreed with us, the default interest rate of the credit will begin to run, and you will end up paying more than the initial interest rate. Depending on the number of days that you go without paying your credit, administrative fees will also be charged to your payments. If you go over 30 days without any payments, you will affect your ability to get additional loans.
Yes. You can pay anytime you wish, using any of the channels listed in our website.
Nuestras tarifas incluyen:
1. Tasa de interés: 45% Efectivo Anual
2. Ley Mipyme: 4.5% – 7.5%
3. Fondo de Garantías de Antioquia: 5.5% + IVA
4. Seguro de vida deudor: 3.200 + IVA por cada millón que te prestemos.
Si quieres conocer el costo final de tu crédito, te invitamos a usar nuestro simulador para que veas el valor de tu cuota final.
No, to take the Plurall credit you must have the insurance that comes with it.
El FGA – Fondo de Garantías – es una entidad especializada en ofrecer un esquema de cobertura par riesgo de crédito. ¿Qué significa esto? Respaldan el cumplimiento de las obligaciones de los créditos que otorga Plurall a sus clientes, actuando como un fiador corporativo para las personas naturales.
When you registered on our form to apply for your first credit in Plurall, you accepted GF coverage and this allowed you to be selected at this stage.
Debes tener en cuenta que existe una relación comercial entre FGA y Plurall. Ambas entidades tienen un convenio de cobertura de crédito, mediante el cual FGA garantiza en calidad de subsidiario, los créditos que Plurall concede a sus clientes. Esto significa que cuando alguno de los clientes de Plurall no puede cumplir con las obligaciones de su crédito, FGA le paga a Plurall como fiador de ese crédito y luego, le puede recobrar al deudor inicial, es decir al cliente.
Administrative Expenses correspond to incremental expenses that Plurall must assume at the moment when our client is behind in his payments, precisely to persuade him to make the payment or to generate a new payment agreement. These incremental expenses can be up to 20% of the total debt.
Plurall es corresponsal digital de dale!, por lo que a través de la aplicación de Plurall los consumidores podrán acceder a los productos y servicios financieros ofrecidos y operados por dicha entidad financiera.
No. The electronic deposit accounts and the Visa debit card that you can open and request through our platform, are managed by dale!, a financial institution that is supervised by the Financial Superintendence of Colombia. Plurall acts as the bank's digital correspondent.
No, Plurall is a 100% digital entity and we do not have intermediaries. Avoid being a victim of fraud with third parties that appear on our behalf offering you help. Our service is so simple that you don't need it, you can do it yourself!
La cuenta de Plurall no tiene ningún costo:
$0 cuota de manejo
$0 por depositar dinero
$0 por transferencias a otros bancos
$0 por no uso de la cuenta.
¡es GRATIS! Así que úsala lo más que puedas, para que en próximas oportunidades podamos prestarte montos más altos para tu negocio.
None. Our digital account is free of fees. You will pay $0 for using it.
It is a debit card issued by Visa and Dale! With which you can buy in dataphones or online and make use of your credit easily and safely.
You will always be able to have 2 cards: The virtual and the physical one.
The virtual one you have inside your Plurall app to buy online or in applications.
We send the physical card to your business or home, with confirmation of your address.
Yes. You can customize your virtual card as you want.
Retiros sin tarjeta cajeros AVAL $0
Retiros con tarjeta cajeros AVAL $5,000
Solicitud Tarjeta Plurall $0
Re-expedicion Tarjeta Plurall $19,000
Cuota de Manejo Tarjeta Plurall $0
No, the Plurall card has no handling fee. It also has no interest because it is a debit card, you pay with the balance you have in your account.
Bogota y Soacha 1 dia hábil
Bello, Caldas- Antioquia, Envigado – Antioquia, Itagüí, La Estrella, Medellín, Sabaneta, Barranquilla, Soledad, Cartagena, Tunja, Manizales, Popayán, Montería, Neiva, Santa Marta, Villavicencio, Cúcuta, Armenia-Quindio, Dosquebradas – Risaralda, Pereira, Bucaramanga, Floridablanca, Girón, Sincelejo, Ibagué, Cali, Palmira, Yumbo 2 días hábiles
El resto del pais 5 dias hábiles
Tu tarjeta física en cualquier comercio o negocio que tenga un datáfono.
Tu tarjeta virtual la puedes usar por internet, comprando en páginas web, en aplicaciones ó en suscripciones de plataformas
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