Pluvio App

Pluvio is a digital platform providing financial , lifestyle and business services to employees of partner organizations. We collaborate with institutions to develop, plan, manage and provide benefit packages which are flexible, highly competitive and tailored to positively impact employee lifestyle.

UTILITIES RECHARGE & BILL PAYMENT
Utilities, Cable Tv, Airtime and internet data top-up of any network easily in a matter of seconds at a discount. Airtel, Glo, MTN, Tigo, Vodafone, ECG, DSTV, GOtv.

COMMERCE
Find and shop from a wide product range and collection of foreign and local brands delivered to your doorstep.

FINANCIAL SERVICES
•Hire-Purchases. Enjoy products from your favourite brands with affordable interest rates and flexible payment and instalment plans of up to 72months. Direct debit from payroll monthly.
•Save & Pay. Acquire products from your favourite brands by paying on daily, weekly or monthly instalment of up to 12months interest free!

CONVENIENT PAYMENT OPTIONS
You can easily pay your instalments via mobile money, direct bank deposits, CAG deductions, employer payroll deductions.

CREDIT APPLICATION & PROCESSING
What you see is what you pay for - no hidden fees. Our app lets you configure your instalments and see the exact amount you will pay every month upfront. Before availing we will always generate a Disclosure Statement in compliance with standard banking practice. Enjoy the benefits without paying upfront. 0% deposit for consumer credit.

ELIGIBILITY

- Individual with contractual capacity, minimum age of 18years
- Final repayment deduction must be atleast 12 months prior to applicant’s 60th birthday
- Permanently employed Government or Private employee where a formal deduction agreement is in place, and a minimum employment period of 12months


TERMS

- All consumer credit applications are unsecured
- The minimum amount is GHC 500 and the maximum amount is GHC 500,000.
- The minimum term is 1month (30days) and the maximum term is 72months(6Years)


DOCUMENTATION & REQUIREMENTS

- Credit Forms
- Mandate Form (printable by customer/forward soft copy)
- Direct Debit Authorization Form
- 1 Most Recent Passport Sized Photograph
- Identity Card (Ghana Card)
- Bank Document- (voided cheque, 1-3months bank statement)- should be salary account
- 1 Most Current Pay Slip


MINIMUM TENURE OF CREDIT

The minimum term for credit is 30days (1month). The monthly repayment calculations in-app are for illustration purposes only. All credit applications less than 30days will be disqualified automatically .

ANNUAL PERCENTAGE RATE

Maximum Annual Percentage Rate (APR) is 27%. This is based on an interest rate of 2.25% per month.

Representative Example:
Credit amount: 50,000
Tenure: 72 months
Interest Rate: 27% per annum – 2.25% per month
Total Interest: 81,000
EMI: 1,819.44 (total monthly instal.)
APR: 27%
Credit amount is 50,000.
Product amount is 50,000.
Total Credit repayment amount is 131,000

*Rate is for reference only and may change depending on financial and economic market/environment conditions. Consumer credit are repaid monthly and do not compound interest and are eligible for extension or refinancing beyond the stated term.

We love feedback!
Email us at: [email protected]
Call us at: 0504030875 | 0504030876
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Website: https://credxter.com