Vana review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Vana is a Guatemalan direct lender built for small, short personal loans paid into your own bank account, and the rate is the part to read closely. An APR of 80.34% sits far above the 10% to 23% Monzo Flex charges, so it suits borrowers who need speed rather than the lowest cost.

Key facts

Best for
Small, fast personal loans in Guatemala for borrowers who can live with 80.34%.
APR
80.34% (Source, checked September 26, 2026)
Loan amount
GTQ 250 to GTQ 3,000 (Source, checked September 26, 2026)
Term
3 to 12 months (Source, checked September 26, 2026)
Arrangement fee
Q18 to Q299 plus IVA (administrative, disbursement, third-party collection and credit assessment charges) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
100% digital, in minutes, deposited into your bank account (Source, checked September 26, 2026)
Representative example
vana presta: Q1,000 for 90 days pays Q225 interest plus Q225 administrative charges plus IVA; total cost of credit Q450, total to pay Q1,450 (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Valid DPI (national ID), submit application, own bank account; final approval depends on a credit assessment (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
Vana Tech, Sociedad Anonima (Source, checked September 26, 2026)
Headquarters
Guatemala (Source, checked September 26, 2026)
Founded
2017 (Source, checked September 26, 2026)
Support channels
Email (Source, checked September 26, 2026)
Features
Same-day funding
Official website
vana.gt

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIntiktok.comfacebook.cominstagram.com

Pros and cons

Pros

  • Money arrives 100% digital, in minutes, deposited into your bank account, with same day funding listed among the features.
  • Free early repayment is available, so settling ahead of schedule costs nothing.
  • Vana is a direct lender, so you deal with the lender rather than a middleman.
  • Borrowing runs GTQ 250 to GTQ 3,000, which suits a shortfall rather than a large purchase.

Cons

  • At 80.34% the cost sits far above cheaper lenders in this group.
  • An arrangement fee plus IVA is added on top, and the published example bills administrative charges equal to the interest.
  • The check is hard, so it reaches your credit file and approval rests on the credit assessment.

Ready to try Vana?

Scored 8.6 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers in Guatemala who need a small sum fast and can clear it inside 3 to 12.
  • Anyone with a valid DPI and their own bank account who will take 80.34% for the speed.
  • People who want to deal with the lender itself, since Vana is a direct lender.

Who should look elsewhere

  • Anyone shopping on price: Monzo Flex charges 10% to 23% against the 80.34% here.
  • Borrowers who want a longer schedule, since the term runs 3 to 12.
  • Applicants who prefer to talk a decision through, since support runs on email only.

How your money is protected

Vana is a direct lender, so the loan comes from the company you apply to rather than a broker passing your details on. That makes the published representative example the most useful document to read: it sets out the interest, the administrative charge and the total repayable on a short personal loan, so the picture of cost is complete before you sign.

The company behind it

Vana is operated by Vana Tech, Sociedad Anonima, founded in 2017 and based in Guatemala. Support runs on email only, so applications, document requests and complaints all travel by written message rather than a call. Borrowers who want a named counterparty and a clear paper trail will find both in the terms.

How Vana compares

Where Vana is available

Available
Dominican Republic, Guatemala, Honduras, Peru

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

Frequently asked questions

What does a Vana personal loan cost in total?+

Vana charges an APR of 80.34%, which is high next to the other lenders here, and an arrangement fee plus IVA is added on top. The published representative example bills interest and administrative charges side by side, so the total repayable sits well above the amount borrowed. Read that example before applying.

Is there an arrangement fee on top of the interest?+

Yes. Vana adds an arrangement fee plus IVA on top of the interest, covering administrative, disbursement, third-party collection and credit assessment charges. The published example charges administrative fees equal to the interest, which is why the headline 80.34% is not the whole picture of what you repay.

How much can I borrow, and over what term?+

Vana lends GTQ 250 to GTQ 3,000, and terms run 3 to 12. That is a short schedule by personal loan standards, so the money arrives as a lump sum that you repay rather than a balance you revolve. Anyone needing a larger sum or a longer runway will find neither inside these ranges.

How quickly is the money paid out?+

Vana states that funding is 100% digital, in minutes, deposited into your bank account, and same day funding is listed among its features. The application runs online from a valid DPI through a credit assessment to the deposit, so the pace depends on that assessment clearing at least as much as on the transfer itself.

What do I need to apply, and what does the credit check do?+

You need a valid DPI, an online application and a bank account in your own name. The check is hard, so it reaches your credit file rather than stopping at a soft score, and final approval rests on the credit assessment Vana runs on your application.

Can I repay the loan early?+

Yes. Free early repayment is available, so clearing the balance ahead of the agreed schedule carries no extra charge. That matters more here than at most lenders, because at 80.34% the cost of the loan builds quickly while the money is still outstanding.

How do I contact Vana?+

Support runs on email only, so every question, document request and complaint goes in writing and you keep your own record of each exchange. It suits borrowers who are comfortable managing an application through messages rather than a call, and who file their own copies of what they send.

Sources

  • web.vana.gt/sobre-nosotros checked September 26, 2026

    Backs: Founded

  • cdn.vana.gt/terminos-de-servicio/index.html checked September 26, 2026

    Backs: Credit check, Legal entity, Lender type

  • vana.gt checked September 26, 2026

    Backs: Headquarters, Support channels

    “Direccion: 3A avenida, 13-78, zone 10, Citibank Tower, nivel 8, Guatemala, Guatemala”

  • vana.gt/presta checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Free early repayment, Funding time, Loan types, Arrangement fee, Representative example, Term

    “100% digital y en minutos”

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

Related by the facts

Vana

Small, fast personal loans in Guatemala for borrowers who can live with 80.34%.

8.6/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings