Nequi Tienda Virtual review

Updated September 29, 2026 · BorrowCue Editorial Team · Facts checked September 28, 2026

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Our verdict

Nequi Tienda Virtual suits Colombian Nequi account holders seeking personal or business credit with funding In minutes and fixed rates of 19.56% to 29.14%. Early repayment stays without extra charge, while terms run 1 to 48 on amounts COP 100,000 to COP 10,000,000 through direct lending of direct lender.

Key facts

Best for
Rapid fixed loans for existing Nequi account holders
APR
19.56% to 29.14% (Source, checked September 28, 2026)
Loan amount
COP 100,000 to COP 10,000,000 (Source, checked September 28, 2026)
Term
1 to 48 months (Source, checked September 28, 2026)
Arrangement fee
0 COP (Source, checked September 28, 2026)
Credit check
Hard (Source, checked September 28, 2026)
Funding time
In minutes (Source, checked September 28, 2026)
Rate type
Fixed (Source, checked September 28, 2026)
Lender type
Direct lender (Source, checked September 28, 2026)
Free early repayment
Yes (Source, checked September 28, 2026)
Eligibility
Age 18-65, no pending payment obligations, Colombian Nequi account (Source, checked September 28, 2026)
Origination fee (%)
0% to 17.8% (Source, checked September 28, 2026)
Loan types
Personal, Business (Source, checked September 28, 2026)
Credit needed
Poor (Source, checked September 28, 2026)
Use cases
Home-improvement (Source, checked September 28, 2026)
Legal entity
Nequi S.A. Compania de Financiamiento (Source, checked September 28, 2026)
Headquarters
Colombia (Source, checked September 28, 2026)
Founded
2015 (Source, checked September 28, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 28, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
nequi.com.co

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataLinkedInX

Pros and cons

Pros

  • Funding lands In minutes with same day access via same day funding for home improvement uses of home improvement.
  • Origination charge of 0 COP keeps entry cost low alongside early repayment without charge.
  • Fixed structure of fixed across loan types of personal and business with support on phone, chat and help centre.

Cons

  • Applications face hard screening under hard, so files show each request.
  • Origination share can rise to 0% to 17.8% depending on profile and term.
Nequi Tienda Virtual

Ready to try Nequi Tienda Virtual?

Scored 9.1 / 10 by BorrowCue.

See alternatives

Who it suits

  • Nequi account holders needing rapid payout will prefer this to Ibancar Prestamos where vehicle security slows access.
  • Borrowers wanting fixed personal credit will prefer this to Mi Prestamo where broker routing adds extra steps.

Who should look elsewhere

  • Readers without a Colombian Nequi account will find Mi Prestamo more accessible than Nequi account only lending.
  • Readers seeking soft prequalification will find AXI Card Tarjeta y Credito calmer than hard screening under hard.

How Nequi Tienda Virtual compares

Where Nequi Tienda Virtual is available

Available
Colombia
Licence in Colombia
Superintendencia Financiera de Colombia, checked September 28, 2026

Countries from the brand (Source, checked September 28, 2026)

Frequently asked questions

How much can be borrowed from Nequi Tienda Virtual?+

Nequi Tienda Virtual offers amounts of COP 100,000 to COP 10,000,000 for personal and business needs under loan types of personal and business. Terms and limits vary by profile, and funds pay to the linked Nequi account. Check eligibility before applying since screening applies.

What interest applies to these loans?+

Rates are fixed under rate type of fixed with APR of 19.56% to 29.14%. The fixed model under fixed rate keeps instalments stable through the term. Total cost still depends on amount, term and any origination share.

What repayment terms are available?+

Terms run 1 to 48, covering short needs and longer home improvement plans under use cases of home improvement. Shorter terms raise instalments while longer terms raise total interest. Choose a term that keeps payments affordable.

How quickly are funds paid out?+

Funding arrives In minutes with same day access flagged in features of same day funding. Payout speed can still vary with checks and account status. Apply with details ready to avoid delays.

What fees apply besides interest?+

Origination charge is listed as 0 COP, while the origination share can run 0% to 17.8%. Early repayment carries no extra charge for eligible borrowers. Review the offer summary for the final fee mix.

Who can apply for a Nequi loan?+

Access is for adults holding a Colombian Nequi account with no pending payment obligations. A hard check under hard forms part of assessment. Support is available through channels of phone, chat and help centre for queries.

Is Nequi Tienda Virtual a direct lender?+

Nequi Tienda Virtual operates as a direct lender under direct lender through legal entity of Nequi S.A. Compania de Financiamiento. The base is in country of CO and service focuses on Nequi users. Use account support channels for account and loan help.

Sources

Compiled from 7 source pages, checked September 28, 2026. We did not open an account.

Not confirmed yet: Representative example.

Nequi Tienda Virtual

Nequi Tienda Virtual

Rapid fixed loans for existing Nequi account holders

9.1/10See alternatives

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