Nodocity review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Nodocity is a Colombian broker for secured loans, aimed at property owners whose asset is free of mortgage or lightly charged and who want to fund home improvements. Repayment terms run 12 to 60 and the origination fee is 0, so nothing is charged to set the file up.

Key facts

Best for
Colombian property owners with an unencumbered or lightly charged asset funding a home improvement.
Term
12 to 60 months (Source, checked September 26, 2026)
Arrangement fee
0 (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
A few business days after approval and signing the mortgage security (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Owner of a property (house, apartment, shop, warehouse, office, plot or farm); property free of mortgage or with low encumbrance; ID document and property registry certificate; proof of repayment capacity; of legal age and resident in Colombia (Source, checked September 26, 2026)
Loan types
Secured (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Prop Securitisation S.C.S. (RCS Luxembourg B278565) and Prop Management S.a r.l. (RCS Luxembourg B274239) (Source, checked September 26, 2026)
Headquarters
Colombia (Source, checked September 26, 2026)
Support channels
Email, Help-centre, Community (Source, checked September 26, 2026)
Official website
nodocity.com

Apps and profiles

Elsewhere
youtube.cominstagram.comfacebook.com

Pros and cons

Pros

  • The origination fee is 0, so nothing is charged to arrange the loan
  • Repayment terms run 12 to 60, shorter than the 84 upper quartile of the secured loan group
  • Applications start with a soft prequal credit check, so you can see where you stand before a full file search
  • Nodocity works as a broker, which lets your file be placed with a lender rather than funded from one balance sheet

Cons

  • Support runs on email, help centre and community only, so there is no phone line when a question is urgent
  • The secured loan is tied to owning a property in Colombia, so tenants have nothing to pledge
Nodocity

Ready to try Nodocity?

Scored 8.7 / 10 by BorrowCue.

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Who it suits

  • Property owners in Colombia whose house, apartment, shop, warehouse, office, plot or farm is free of mortgage or carries only a low encumbrance
  • Adults living in Colombia who can show proof of repayment capacity, an ID document and a property registry certificate
  • Home improvement borrowers happy to let the asset carry the debt and repay over 12 to 60

Who should look elsewhere

  • Anyone who needs a longer runway than 12 to 60, since Sofkredit runs terms of 6 to 240
  • People who prefer to pay only when a solution is delivered, since Creduma ES takes no upfront arrangement fee and charges only once a real solution is obtained
  • Borrowers after a shorter commitment, since Solcredito MX runs terms of 3 to 48

How Nodocity compares

Where Nodocity is available

Available
Chile, Colombia, United States

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What kind of company is Nodocity?+

Nodocity is a broker, not a bank, and the lending it places is secured against a property. The entities behind it are Prop Securitisation S.C.S. and Prop Management S.a r.l., registered in Luxembourg, while the operation serving you runs from CO.

What does the loan cost me?+

The only fee Nodocity lists is an origination fee of 0, so there is nothing to pay for setting the loan up. Because it is a broker, the rate and any lender costs sit in the offer you receive, and the soft prequal check does not tie you in.

How long until the money arrives?+

The release of funds follows approval and the signing of the mortgage security, so the property paperwork sets the pace rather than the application form. As this is secured lending, the registry certificate and that signing both sit on the same path.

Who can apply?+

You need to own a property in Colombia, either free of mortgage or carrying only a low encumbrance, and you must be an adult resident there. You also need an ID document, a property registry certificate and proof of repayment capacity. The loans are aimed at home improvement.

Can I apply if my property already has a mortgage?+

An existing mortgage does not rule you out as long as the encumbrance on the property is low. That asset then secures the secured loan and you repay over 12 to 60. A registry certificate is one of the documents you will be asked for.

What credit check is used?+

The check is a soft prequal one, a gentler look than a full file search. Across the lenders tracked here, 20.4% of providers work this way while 72.7% still run a hard search, so Nodocity sits in the smaller group on that point.

How long can I borrow for?+

Terms run 12 to 60, which suits a project you can see the end of. The wider home improvement market stretches further, with 84 the usual upper quartile, so a longer stretch may mean looking beyond this route.

How do I get help once I have applied?+

Help runs on email, help centre and community, so you can email, use the help centre or post in the community. There is no phone number in that list, which matters if you are mid-signature and need to chase the property side of your file.

Sources

  • nodocity.com/ayuda checked September 26, 2026

    Backs: Support channels

    “Help centre: more than 76 answers, with instant search. Write your question or browse by topic (email us from your registered address)”

  • nodocity.com/legal/terminos checked September 26, 2026

    Backs: Headquarters

    “Nodocity is a Colombian platform that facilitates investment in real estate through the acquisition of fractions”

  • nodocity.com/nosotros checked September 26, 2026

    Backs: Legal entity

    “Official and public registry records of the corporate structure in Luxembourg ... Prop Securitisation SCS, securitisation vehicle of the real estate assets ... Prop Management S.a r.l., management...”

  • nodocity.com/prestamos-hipotecarios checked September 26, 2026

    Backs: Credit check, Eligibility, Funding time, Lender type, Loan types, Arrangement fee, Term, Use cases

    “We appraise the property and review your repayment capacity, without affecting your credit history”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Loan amount, Representative example.

Nodocity

Nodocity

Colombian property owners with an unencumbered or lightly charged asset funding a home improvement.

8.7/10See alternatives

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