Facil Prestamo

1. Introduction

Facil Prestamo presents itself as an online loan service aimed at borrowers who need money quickly and want a remote, simplified process. The public website is heavily JavaScript-based, but indexed snippets show sections such as FAQ, legal information, privacy policy, loan agreement, and contact channels, which indicates a structured lending site rather than a single landing page.

The core public loan contract available on the domain describes a short-term loan with interest, service charges, possible late-payment interest, early repayment rights, and repayment due before the maturity date by 3:00 p.m. It also mentions partial repayment under certain conditions and fees for both online repayment and Efecty repayment.

This kind of service is usually used by borrowers who need urgent money for a short-term gap, an emergency bill, or an immediate expense that cannot wait for a traditional bank application. The main strengths appear to be speed, online-only access, and simple onboarding. The main weak points are more serious: the public legal documents contain major inconsistencies about company identity and governing jurisdiction, the exact rates are left as “subject to availability,” and late-payment costs exist but are not fully disclosed in a clean public table.

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2. What kind of organization is this

This is the first area where caution is necessary.

The indexed contact snippet from the official domain identifies PARKWAY SAS with address Calle 10 N.º 5-22, Bogotá D.C. and contact email rapiplata@parkwaysasco.com.

But the public loan agreement PDF hosted on the same domain identifies the lender as Fácil Préstamo and names the company as ACTYSERVICIOS SAS.

That inconsistency is material. It means the public identity of the legal operator is not cleanly presented across the service materials. In addition, the same contract text contains references to Mexican and Peruvian law in different clauses, which is another major drafting-quality problem for a financial contract.

So the safest classification is:

Category

Best current reading

Bank

No

Direct lender

Appears to function as one in the loan agreement

Loan broker / platform

Also possible, because the agreement mentions a service platform and lenders determined by the platform

Fintech service

Yes

Payday / short-term lender

Yes, functionally

Salary advance provider

Not clearly presented as employer-linked salary advance

The country/region of operation appears to be Colombia, based on the .co domain and Bogotá address in the indexed contact snippet. But because the contract text contains cross-jurisdiction drafting errors, this point should be treated cautiously and checked directly on the live site before signing anything.

The service appears to work online only. The indexed site structure and public contract point to a digital platform, digital registration, and remote repayment channels rather than branch-based service.

In market-positioning terms, Facil Prestamo appears to target ordinary consumers who want fast, easy credit access. But due to the corporate and legal inconsistencies described above, I would not describe the public trust profile as strong.

3. How the service works

The public loan agreement suggests a short-term consumer-loan structure where the borrower registers on a service platform, receives funds, pays interest and service charges, and repays by the due date. The contract also contemplates:

• service charges deducted from the loan,

• partial repayment if the borrower cannot repay in full,

• early full repayment,

• late-payment interest,

• different fees depending on repayment channel.

That means the product looks closer to a short-term payday-style or emergency loan than to a long classic installment loan.

How quickly are applications reviewed? The fully accessible public pages are limited because the site requires JavaScript, so I could not verify a formal SLA from the website text itself. There is a public app listing under the Fácil Préstamos name that advertises rapid approval and immediate transfer, but that listing is Mexico-targeted and tied to a different developer identity, so I do not treat it as reliable proof of this Colombian service’s operational timing.

How quickly is money sent after approval? The public contract implies standard online disbursement to the borrower’s account, but does not publish a clean disbursement-time promise in the snippet available.

The process appears fully online. The indexed pages show FAQ, legal info, privacy policy, loan agreement, and contact channels under one web platform, and the contract repeatedly refers to registration on the platform.

4. How to get a loan

Based on the public contract and indexed site structure, the borrowing process appears to work like this:

Registration

The borrower registers on the service platform and becomes a platform user. The contract refers directly to the borrower registering on the service platform before taking the loan.

Filling in the application

The borrower provides personal information, including identity and contact data. The contract explicitly mentions information such as address, phone number, and emergency contact data as part of the borrower’s representations.

Identity verification

A full document checklist is not clearly exposed in the indexed public pages I could verify, but the contract requires truthful personal data and makes lender credit assessment contingent on the information provided by the borrower.

Income or employment confirmation

The public contract says the lender may conduct a credit-risk assessment based on the information provided. It does not list a precise public payroll or employment proof requirement in the snippet available.

Choosing the loan amount and term

The borrower receives a loan with a defined term. The contract states that the term begins when funds are deposited into the borrower’s account and ends on the due date. But the public PDF snippet leaves exact day count and rate fields as variable placeholders.

Signing the agreement

The borrower accepts the loan agreement as part of using the service. The contract itself is the clearest public indication that acceptance and lending happen digitally on the platform.

Receiving the funds

The contract says the term starts from the moment the lender deposits funds into the user’s account. That confirms account-based disbursement.

How long the process usually takes

I could not verify a trustworthy official timing promise from the accessible site text. Any specific statement such as “minutes” or “same day” would be too speculative from the currently accessible materials.

Whether approval is automatic or manual

The contract suggests some platform-driven underwriting, but not enough detail is available to say whether final approval is fully automatic or manually reviewed. The safest conclusion is: credit assessment exists, but the public site does not clearly explain the decision process.

Whether bad-credit borrowers may apply

I could not verify a reliable official statement about bad-credit acceptance on the official domain materials I could access.

5. Loan requirements and eligibility

The public contract supports the following baseline requirements:

Requirement

Best supported public reading

Minimum age

Not clearly published in accessible official materials

Residency / location

Likely Colombia, based on Bogotá contact data

Identity data

Required

Address

Required

Phone number

Required

Emergency contact

Mentioned in contract

Bank account

Required for disbursement

Email

Likely required for digital service, but not clearly verified in snippet

Income requirement

Not clearly published

Official employment required

Not clearly published

The contract specifically mentions borrower-provided information such as address, phone number, and emergency contact, and confirms that funds are deposited into the user’s account.

Because the accessible materials do not publish a clear borrower checklist, anyone considering this service should verify:

• minimum age,

• document list,

• accepted residency status,

• bank-account requirements,

• and whether self-employed applicants are accepted
  directly on the official live site before applying.

Official employment is not clearly stated as mandatory in the accessible materials. Likewise, I could not verify from the official site whether self-employed users are accepted, though it is possible. That point remains uncertain.

6. Loan terms and conditions

This is the most important section, and the public information is incomplete.

Publicly visible terms from the contract

Term item

Publicly visible

Loan term

Exists, but exact number of days is variable

Interest during term

“Subject to availability”

Tax

19%

Service fee

Charged and deducted from loan proceeds

Late-payment interest

Applies

Early repayment

Allowed

Partial repayment

Allowed under conditions

Repayment deadline

One day before due date by 15:00, unless otherwise agreed

Extra repayment-channel fees

Efecty fee and online repayment fee mentioned

These points come directly from the official loan agreement PDF.

Minimum and maximum loan amount

I could not verify a reliable official amount range from the accessible official site materials.

Loan term

The contract confirms a loan term exists and begins when the funds reach the borrower’s account, but the exact number of days appears as a variable field in the accessible PDF snippet.

Interest rate

The agreement states that the interest rate is subject to availability. That means the public document does not disclose one stable rate schedule in the accessible snippet.

APR / total borrowing cost

No clear APR or EIR/CAT-style total-cost figure was visible in the official accessible materials.

First loan conditions

No verified public first-loan-free or first-loan-discount policy was visible in the official accessible materials.

Penalties for late payment

The contract states that overdue payments are subject to late-payment interest from the due date to the settlement date. It gives a formula but leaves the actual default-interest rate as subject to availability in the accessible snippet.

Extension / rollover options

I could not verify a clear official extension or rollover rule in the accessible official materials.

Early repayment rules

The contract explicitly says the borrower can repay principal and interest on any business day during the normal loan period. It also says that if the borrower repays early, principal and interest must be paid in full, subject to the contract’s day-calculation rule.

Hidden fees or service charges

The contract openly says that:

• service charges exist,

• they include analysis/evaluation, arrangement, and fund-appropriation services,

• they are paid by the borrower,

• and they are deducted from the loan proceeds.

It also mentions extra repayment-channel fees for Efecty and online repayment. So there are clearly service charges to watch for.

7. Supported payout methods: how users can receive the loan

The contract clearly supports one main payout route:

Receiving method

Public support level

Bank account

Clearly supported

Bank card

Not clearly confirmed

Local transfer

Yes, through account deposit

E-wallets

Not confirmed

Mobile wallets

Not confirmed

Cash pickup

Not confirmed

The contract says the loan term begins when the lender deposits funds into the user’s account, which strongly indicates bank-account disbursement.

The most common and likely only clearly supported payout route is therefore bank transfer to the borrower’s own account. There is no public support in the accessible materials for cash pickup, e-wallets, or third-party cards/accounts.

8. Supported repayment methods: how to repay the loan

The contract gives a useful practical clue here.

Repayment method

Public support level

Online repayment

Yes

Efecty

Yes

Bank transfer

Likely, but not clearly singled out in accessible snippet

Card repayment

Not clearly confirmed

Mobile app

Not clearly confirmed

ATM / terminal repayment

Not confirmed

Cash desk / branch payment

Efecty network implied

The contract mentions:

• a fee for Efecty repayments,

• a fee for online repayments,
  which means both are recognized repayment channels.

What requisites are needed

The accessible official materials do not publish a borrower-facing repayment guide with contract number, borrower ID, or exact field-by-field instructions. That is a transparency weakness.

How to fill in payment details correctly

The contract requires full repayment one day before due date by 15:00 unless otherwise agreed. So at minimum, borrowers should verify:

• the exact due date,

• the exact amount due,

• the official repayment channel,

• and any applicable channel fee.

How long repayment may take to reflect

The official accessible materials do not publish a standard posting-time estimate.

What happens if payment is delayed

The contract says:

• overdue payment generates late-payment interest,

• the lender may terminate the contract,

• and the borrower is responsible for all related charges.

Should the borrower keep receipts

Yes. Because repayment-channel fees exist and the public guidance is incomplete, borrowers should keep every proof of payment.

9. Advantages and disadvantages

Advantages

Disadvantages

Online-only access

Major legal and corporate inconsistencies

Early repayment allowed

Public rates not clearly disclosed

Partial repayment mentioned

Late-payment interest exists

Bank-account disbursement is clear

Service fees are deducted from loan proceeds

Efecty and online repayment mentioned

Repayment guide is incomplete

Visible contract exists

Public trust profile is weak due to drafting errors

10. Who this service may suit

Facil Prestamo may suit:

• users needing urgent money until payday,

• users needing a small short-term loan,

• people who want online-only access,

• users comfortable dealing with incomplete public disclosure and verifying details directly.

It should be avoided by:

• anyone who wants strong transparency before applying,

• anyone likely to pay late,

• borrowers already under debt stress,

• users uncomfortable with fee-heavy short-term lending,

• users who want a lender with clear, clean legal documentation.

11. Risks and important things to check before applying

The first thing to check is the real total cost. The official contract confirms interest, service charges, tax, and repayment-channel fees, but the actual rates are not cleanly disclosed in the accessible snippet.

The second thing to check is the late-payment interest. It clearly exists, but the public snippet leaves the actual default rate unresolved.

The third thing to check is the legal identity of the lender. Public materials show PARKWAY SAS in the contact snippet and ACTYSERVICIOS SAS in the loan agreement PDF. That inconsistency is a serious warning sign and should be clarified before any borrower proceeds.

The fourth thing to check is whether the loan is suitable only for a short-term emergency. Based on the fee-heavy structure, that is the safest interpretation.

The fifth thing to check is the repayment detail, including Efecty fee, online payment fee, cut-off time, and due date. Do not assume repayment is simple just because the application is online.

Responsible borrowing warning: this kind of product should be treated as emergency credit, not a normal budgeting tool.

12. Customer support and communication channels

The publicly visible support footprint is limited but identifiable.

Channel

Public detail

Website

facilprestamo.co

Email

rapiplata@parkwaysasco.com in official indexed contact snippet

Phone

Not clearly exposed in the accessible materials I verified

Online chat

Not confirmed

Mobile app

A public app exists under the brand name, but its jurisdiction and developer identity do not align cleanly with the official Colombian website

Working hours

Not clearly published

The most concrete official contact detail I could verify from the official domain snippet is rapiplata@parkwaysasco.com and the Bogotá address attached to PARKWAY SAS.

Because the public support information is thin and inconsistent, I would not describe support quality as confirmed or strong.

13. FAQ

What is Facil Prestamo?

An online short-term loan service presented through the domain facilprestamo.co, with a public loan agreement and contact channels.

Is it a direct lender or a broker?

It appears to function as a direct lender or lender-operated platform in the public contract, but the documents are inconsistent enough that this should be verified before borrowing.

How fast can I get money?

I could not verify a reliable official timing promise from the accessible official site materials.

What documents do I need?

The public materials confirm personal data and account data are required, but they do not expose a complete borrower checklist in the accessible snippets.

Can I get a loan with bad credit?

I could not verify a reliable official statement about bad-credit eligibility.

What payment systems are supported for receiving money?

Bank-account disbursement is clearly supported.

How can I repay the loan?

Through online repayment and Efecty, based on the official contract.

What requisites do I need for repayment?

At minimum, the exact amount due, due date, and official repayment channel. The public materials do not clearly publish a borrower-facing repayment checklist.

Can I repay early?

Yes. The public contract says early full repayment is allowed on any business day during the normal loan period.

What happens if I miss the due date?

Late-payment interest applies from the due date until settlement, and the lender may terminate the contract.

Can I extend the loan?

I could not verify a clear official extension policy from the accessible official materials.

Is the first loan interest-free?

No verified public evidence supports that.

Can I receive money on someone else’s card or account?

No public support for that was found. The public contract supports deposit to the user’s own account.

How do I contact support?

The clearest verified public contact is rapiplata@parkwaysasco.com, attached to the Bogotá contact snippet on the official domain.

Is this service safe to use?

It appears to be a real operating loan site, but the public legal and corporate inconsistencies materially reduce confidence. Extra caution is warranted.

14. Final conclusion

Facil Prestamo looks like a real online short-term lending service with bank-account disbursement, online-only onboarding, early repayment rights, and at least two visible repayment channels. Those are its strongest practical points.

Its main limitations are serious:

• inconsistent company identity,

• poor contract drafting,

• incomplete public disclosure of core costs,

• fee-heavy loan structure,

• and uncertain jurisdictional clarity.

The most suitable borrower would be someone who can independently verify every contract detail before signing and who needs short-term emergency funding only. The least suitable borrower would be anyone who needs a transparent, cleanly documented lender relationship or who is at risk of paying late.

LOANS FOR COLOMBIA CITIZENS