Tu Gerente Financiero S.A.S. — Fees and Charges
Last updated: May 2026
The fees published herein apply exclusively to the Personal Loan product available in each country. TGF does not offer payroll deduction loans, debt consolidation, or other financial products at this stage.
1. Colombia — Personal Loan
Product conditions
| Item | Value |
|---|---|
| Minimum amount | $500,000 COP |
| Maximum amount | $10,000,000 COP |
| Minimum term | 6 months |
| Maximum term | 36 months |
| Modality | Fixed monthly installment (French amortization system) |
| Disbursement | 24-48 business hours after loan approval |
Rates
| Item | Value |
|---|---|
| Interest rate | Up to the usury cap certified quarterly by the Banco de la Republica |
| Current usury cap | See www.banrep.gov.co (quarterly update) |
| Past-due interest rate | Up to 1.5 times the current usury cap |
Costs and fees
| Item | Value |
|---|---|
| Credit assessment | $0 (no charge) |
| Disbursement | $0 (no charge) |
| Full prepayment | $0 (no penalty — Ley 1555/2012) |
| Partial prepayment | $0 (no penalty — Ley 1555/2012) |
| Debt clearance certificate | $0 |
| Digital monthly statement | $0 |
Insurance (optional)
Credit life insurance: optional, quoted at the time of application based on the client's profile.
Fee regulatory framework
- Circular Basica Contable y Financiera SFC.
- Resolucion 0042 de 1995 BanRep (usury cap).
- Ley 1555 de 2012 (prepayment without penalty).
- Circular 039/2010 SFC (fee transparency).
2. Peru — Personal Loan
Product conditions
| Item | Value |
|---|---|
| Minimum amount | S/500 PEN |
| Maximum amount | S/20,000 PEN |
| Minimum term | 6 months |
| Maximum term | 36 months |
| Modality | Fixed monthly installment (French amortization system) |
| Disbursement | 24-48 business hours after loan approval |
Rates
| Item | Value |
|---|---|
| Interest rate | Up to the maximum rate permitted by the BCRP in effect |
| TCEA (Total Effective Annual Cost Rate) | Disclosed prior to contract signing |
| Past-due interest rate | Up to the legal limit set by the SBS in effect |
Costs and fees
| Item | Value |
|---|---|
| Credit assessment | S/0 (no charge) |
| Disbursement | S/0 (no charge) |
| Full prepayment | S/0 (no penalty) |
| Partial prepayment | S/0 (no penalty) |
| Digital account statement | S/0 |
| No-debt certificate | S/0 |
Insurance (optional)
Credit life insurance (seguro de desgravamen): optional, based on client's profile.
Fee regulatory framework
- Ley 26702 Financial System (articles on interest rates).
- SBS resolution on maximum rates.
- Ley 29571 Consumer Protection and Defense Code (information transparency).
- SBS circular on TCEA.
3. Ecuador — Ordinary Consumer Credit
Product conditions
| Item | Value |
|---|---|
| Minimum amount | $200 USD |
| Maximum amount | $10,000 USD |
| Minimum term | 6 months |
| Maximum term | 36 months |
| Modality | Fixed monthly installment (French amortization system) |
| Disbursement | 24-48 business hours after loan approval |
Rates
| Item | Value |
|---|---|
| Interest rate | Up to the maximum conventional rate in effect for ordinary consumer credit set by the BCE |
| Current maximum rate | See www.bce.fin.ec (monthly update) |
| Past-due interest rate | Up to the legal limit set by the BCE in effect |
Costs and fees
| Item | Value |
|---|---|
| Application analysis | $0 (no charge) |
| Disbursement | $0 (no charge) |
| Full prepayment | $0 (no penalty) |
| Partial prepayment | $0 (no penalty) |
| Digital account statement | $0 |
Insurance (optional)
Credit life insurance (seguro de desgravamen): optional, based on client's profile.
Fee regulatory framework
- Codigo Organico Monetario y Financiero (COMF).
- Resolutions of the Junta de Politica y Regulacion Monetaria y Financiera on interest rates.
- Ley Organica de Defensa del Consumidor (fee transparency).
4. Panama — Personal Loan
Product conditions
| Item | Value |
|---|---|
| Minimum amount | $200 USD |
| Maximum amount | $10,000 USD |
| Minimum term | 6 months |
| Maximum term | 36 months |
| Modality | Fixed monthly installment (French amortization system) |
| Disbursement | 24-48 business hours after loan approval |
Rates
| Item | Value |
|---|---|
| Interest rate | Up to the maximum rate permitted by the SBP in effect |
| APR (Annual Percentage Rate) | Disclosed prior to contract signing |
| Past-due interest rate | Up to the legal limit set by the SBP in effect |
Costs and fees
| Item | Value |
|---|---|
| Credit assessment | $0 (no charge) |
| Disbursement | $0 (no charge) |
| Full prepayment | $0 (no penalty) |
| Partial prepayment | $0 (no penalty) |
| Digital account statement | $0 |
| Debt clearance certificate | $0 |
Insurance (optional)
Life insurance: optional, based on client's profile.
Fee regulatory framework
- Decreto Ley 9 de 1998 (articles on interest rates).
- SBP agreement on maximum rates.
- Ley 45 de 2007 consumer protection (cost transparency).
5. Note on variable rates
Maximum rates are set by the regulators of each country and may vary periodically. TGF updates this information in accordance with regulatory changes. The exact rate applicable to your loan will be disclosed prior to contract signing and will remain fixed throughout the entire term of the loan.
6. Representative example
Colombia — Personal Loan (for reference only)
| Item | Value |
|---|---|
| Loan amount | $3,000,000 COP |
| Term | 24 months |
| Annual Percentage Rate (APR) | 24% |
| Approximate monthly installment | $158,000 COP/month |
| Fees | $0 |
| Prepayment | No penalty at any time |
* This example is for reference purposes only and does not constitute a binding offer. The actual rate will be disclosed at the time of loan approval and will depend on the individual credit assessment. French amortization system (fixed installment).
7. Fee inquiry channels
| Channel | Details |
|---|---|
| tarifas@tugerentefinanciero.app | |
| Platform | Fee information will always be available on this page prior to any loan origination |