Spean Luy

Spean Luy is your reliable partner for personal line of credit in Cambodia. Get instant access to credit up to $1,000 for your shopping or emergency needs, anytime and anywhere.Key information:Draw period: Up to 12 months with the possibility to borrow, repay, and re-borrow money up to your credit limit.Repayment period: Begins after the draw period ends and can extend up to 365 days.Maximum Annual Percentage Rate (APR): 15%. We charge a service fee of 1 % of the principal.Spean will never charge you more than the amount of your service fee. Interest and fees do not compound or accrue.Example of line of credit usage:Credit line amount = 500 USDDraw period = 6 months (during which you can borrow, repay, and re-borrow)Repayment period = 6 monthsInterest rate = 12% p.a.Transfer fee = 5 USDTotal repayment = 535 USDMonthly repayment during the repayment period = 89 USD*Interest rate varies with the length of the draw and repayment periodsOur full repayment period is NOT less than 60 days as shown in the above example.Credit name: Personal line of credit and Small business creditCredit amounts: 50 USD to 1,000 USD*Spean reminds you to always check the fees, charges and terms and conditions of your credit offer before accepting.To qualify, a borrower must be a resident of Cambodia and satisfy our know-your-customer and underwriting requirements. Spean Luy Co., Ltd (MEF Registration No.T-19-0591). Additional terms and conditions apply.How it works:- Install the app- Apply within 10 minutes- Upload your national ID- Cash out to your Wing account within 1 working day- Scan QR for installment, or click Spean Buy on checkout screen for online shopping- Repay on time and increase your credit limit up to $1,000 with us!Why Spean:- No paperwork or office visits required- Ideal for daily working capital for your small businesses or personal needs- Access larger amounts with lower fees and longer repayment periods as you continue to repay on time- We use world-class technology to secure your informationNeed access to cash urgently? Want to pay in installments without a credit card? Download Spean Luy and apply for your personal line of credit now!Contact us:Smart 0969009292Cellcard 077712053Metfone 0882169742