Wayni: Préstamos y Billetera vVARY

At Wayni, we've developed a digital wallet designed to simplify your financial life. Our app is exclusively for registered customers who have applied for a loan, giving you access to your credit line, cash advances, and tools that help you manage your finances quickly, securely, and 100% online.

Plus, the more you use the wallet and make your payments on time, the better the terms and benefits you can get on your next loans.

What can you do with Wayni?

✔️ Access loans and cash advances: Need money urgently? With Wayni, you can easily apply for loans in 3 to 12 installments and cash advances in 3 installments, all 100% online. Get the money you need instantly, without complicated paperwork, and securely.

✔️ Manage your money: Keep a detailed record of your income and expenses to have complete control of your finances and maintain a healthy credit profile.
✔️ Make payments: Pay quickly and securely from your Wayni wallet. Shop online or in physical stores with ease and a reliable system.

✔️ Access exclusive benefits when you pay with our card

Why choose Wayni?

✅ Fast and secure loans: No lengthy procedures, get your loan in minutes.

✅ We grow together: The more you use the wallet and pay on time, the better we get to know you, allowing us to offer better terms and benefits.

✅ Guaranteed security: Your data is protected with the strictest security measures. We verify the identity of each customer to prevent fraud and offer you a reliable service.

✅ Everything in one place: Manage your finances, make payments, and access loans from a single platform.

Security is our priority. At Wayni, your data is always protected. We implement advanced security measures to guarantee transparent service and prevent issues such as card fraud or identity theft. Furthermore, our loans are securely deposited via bank transfers; we never request upfront payments.

Information on Rates and Financial Costs
The interest rates applicable to loans granted by WAYNICOIN S.A., including the Annual Percentage Rate (APR), the Annual Effective Rate (AER), the Annual Effective Total Financial Cost (AETFC), and the Annual Nominal Total Financial Cost (ANTFC), depend on both the applicant's credit profile and the selected loan term. The corresponding rates will be communicated before accepting the loan offer.

Interest Rate and Term Ranges
• Annual Nominal Rate (TNA): between 184% and 472%
• Annual Effective Rate (TEA): between 453% and 3,395%
• Total Annual Cost of Financing (CFTEA): between 669% and 3,395%
• Repayment Term: minimum 90 days - maximum 360 days
• Maximum Annual Percentage Rate (APR): 3,395%
Illustrative Example of a Simple Interest Loan
• Loan Amount: $20,000
• Term: 6 months
• Total Interest: $11,872
• Monthly Payment: $5,312
• Total Amount Due: $31,872
• Annual Nominal Rate (TNA): 398% (excluding VAT)
This example is for illustrative purposes only and does not constitute a binding offer from WAYNICOIN S.A. Rates may vary depending on the credit profile and the chosen financing term. Loan approval is subject to meeting the requirements established by WAYNICOIN S.A.

For more details on the requirements, conditions, and potential benefits, please see the terms and conditions published by WAYNICOIN S.A. at www.ayuda.waynimovil.com
*Subject to credit evaluation and approval by Waynimóvil S.A.