Líneas de Crédito

Credit lines

At Comfenalco Valle Delagente we offer you different credit alternatives, providing you with personalized financial support so that you obtain greater opportunities for growth and comprehensive development and can fulfill your dreams.

Among our lines of credit are:

subsidy advance

It is a line of credit that grants a credit quota to the worker beneficiary of family subsidy, according to the value received monthly. For which, you must meet the requirements mentioned below, and you can only request it for the following destinations:

Tuition payment, purchase of school supplies and uniforms or payment of arrears pensions.
Health services.
Property tax payment.
SOAT purchase.
Purchase of computer equipment.

Characteristics

Free credit study.
Electronic procedure.
The credit amount is equivalent to 10 times the value of the monthly subsidy to which the member is entitled or up to a maximum amount of One Million Five Hundred Thousand Pesos ($1,500,000).
Fixed rate and fee throughout the term of the credit.
Life insurance that covers the debt.
The method of payment is by crossing with the monthly family subsidy, so you will not have to carry out any procedure to pay the fee, unless you lose the right to the family subsidy.
Possibility of making installments or advance payments of the debt, without receiving any type of penalty or additional charges.
Disbursement to your personal account.

Requirements

Being an active worker of companies affiliated with the Comfenalco Valle Delagente Compensation Fund and beneficiary of family allowance for the last six (6) consecutive months.
Having a labor relationship of more than 1 consecutive year, with a permanent or indefinite contract and 3 consecutive years for types of work contracts or contracted labor.
Earn salary income from one (1) Current Legal Minimum Salary.
Be over 18 years of age and under 65 years of age
Have adequate credit behavior reported to the Risk Centers.
That the child beneficiary is not older than 17 years.

rates

The interest rate is fixed during the term of the loan.

Category A:
- Annual interest rate: 16.7%.
- Interest Rate Month Overdue: 1.3%.

Category B:
- Annual interest rate: 18.1%.
- Interest rate Month in arrears: 1.4%.

documents

Natural Person Credit Application.
Credit Destination Declaration
Family Subsidy Credit Release.
Signature of the blank promissory note.
Copy of the Identity Document extended to 150%
Labor certification not older than 30 days, indicating position, salary, seniority and type of contract.

Important note - El estudio y aprobación del crédito estarán sujetos al cumplimiento de las condiciones del producto.
- Si desea realizar el trámite deberá enviar su solicitud a través del correo electrónico servicioalcliente@comfenalcovalle.com.co o comunicarse a nuestra línea de contacto (602) 886 27 27 Extensión 3102 en nuestro horario de atención de lunes a viernes de 8:00 a.m. a 12:00 m. y de 1:00 p.m. a 5:00 p.m.
- También puede agendar su cita virtual a través de nuestros Canales de Atención https://turno-virtual-comfenalcovalle.web.app o de la App Delagente.

free investment

It is a line designed so that you can invest in whatever you want, make your dreams come true or cover your personal needs.

Characteristics

● Pre-approved credit offers.

● Electronic procedure.

● Free credit study.

● Term from 12 to 60 months.

● Fixed rate and installment throughout the term of the credit.

● Life and unemployment insurance that cover the debt.

● Possibility of making installments or advance payments of the debt, without receiving any type of penalty or additional charges.

● Disbursement to your personal account.

● Attention and advice through specialized financial consultants.

● Payroll discount.

Requirements

Being an active worker of companies affiliated with the Comfenalco Valle Delagente Compensation Fund.
Have a labor relationship of more than two (2) consecutive years.
Earn salary income from one (1) Current Legal Minimum Salary.
Be over 18 years of age and under 65 years of age
Have adequate credit behavior reported to the Risk Centers
The company for which you work must have a credit operating agreement, for the authorization of the payroll discount.
The company and the applicant must be up to date for all concepts with Comfenalco Valle Delagente

rates

The interest rate will be assigned according to a credit study and will vary according to the affiliation category and credit profile of each applicant.

Desde 1.52% mes vencido.

documents

The processing of your credit application is done electronically (Click here to see instructions), for which you have the support of our Financial Consultants, who send you the forms for you to fill out and sign:

Natural Person credit application.
Promissory note and letter of instructions.

To the electronic application you must attach:

Identification document.
Labor certification not older than 30 days, indicating position, salary, seniority and type of contract.
Payroll vouchers for the last two (2) months.

Once the credit application has been approved, we will send you and your company to sign the Payroll Discount Authorization.

Disbursement

Electronic transfer to your personal checking or savings account.

Important note - El estudio y aprobación del crédito estarán sujetos al cumplimiento de las condiciones del producto.
- Si desea conocer mayor información para realizar el trámite, deberá enviar su solicitud a través del correo electrónico servicioalcliente@comfenalcovalle.com.co o comunicarse a nuestra línea de contacto (602) 886 27 27 Extensión 3103 en nuestro horario de atención de lunes a viernes de 8:00 a.m. 12:00 m. y de 1:00 p.m. a 5:00 p.m.
- También puede agendar su cita virtual a través de nuestros Canales de Atención o de la App Delagente.

portfolio purchase

It is a line of credit designed to buy obligations that you have acquired with other entities: credit cards, revolving credits, consumer credits and/or payroll credits. With this credit you will be able to reduce the interest to be paid, improve your liquidity by unifying your obligations into one and reducing the value of the monthly installment.

Characteristics

Pre-approved credit offers.

Electronic procedure.

Free credit study.

Term from 12 to 60 months.

Fixed rate and fee throughout the term of the credit.

Life and unemployment insurance that cover the debt.

Possibility of making installments or advance payments of the debt, without receiving any type of penalty or additional charges.

Disbursement to the entity that you want to buy the portfolio.

Payroll discount.

Attention and advice through specialized financial consultants.

If you received a notification of pre-approved credit, contact your financial consultant or through our service channels.

Requirements

Being an active worker of companies affiliated with the Comfenalco Valle Delagente Compensation Fund.
Have a labor relationship of more than two (2) consecutive years.
Earn salary income from one (1) Current Legal Minimum Salary.
Be over 18 years of age and under 65 years of age
Have adequate credit behavior reported to the Risk Centers
The company for which you work must have a credit operating agreement, for the authorization of the payroll discount.
The company and the applicant must be up to date for all concepts with Comfenalco Valle Delagente.

rates

The interest rate will be assigned according to a credit study and will vary according to the affiliation category and credit profile of each applicant.

Desde 1.37% mes vencido.

documents

The processing of your credit application is done electronically, for which you have the support of our Financial Consultants, who send you the formats for you to fill out and sign:

Natural Person Credit Application.
Promissory note and Letter of Instructions.

To the electronic application you must attach:

Identification document.
Labor certification not older than 30 days, indicating position, salary, seniority and type of contract.
Payroll vouchers for the last two (2) months.
Updated supports of the obligations to collect.

Once the credit application has been approved, we will send you and your company to sign the Payroll Discount Authorization.

Disbursement

Transfer or check to the entity from which you are buying a portfolio.

Crédito Anticipo de subsidio

(602) 886 2727 Ext. 3102
Turno virtual

Crédito de libre inversión y compra de cartera

(602) 886 2727 Ext. 3103

Download the credit application instructions here

Document Collection

Download or request the credit application at our offices and fill it out.

Attach the documents required for the application.

Download or request in our offices, the payroll and request the authorization of your company.

filing

File the documents in our offices.

sign promissory note

Approval

Comfenalco Valle delagente will validate that it complies with what is required to grant the credit.

Disbursement

Comfenalco Valle delagente will make the disbursement in the bank account registered in the credit application.

Document Collection	filing	Approval	Disbursement
Download or request the credit application at our offices and fill it out.
Attach the documents required for the application.	File the documents in our offices.	Comfenalco Valle Delagente will validate that it complies with what is required to grant the credit.	Comfenalco Valle Delagente will make the disbursement to the bank account registered in the credit application.
Download or request in our offices, the payroll and request the authorization of your company.	sign promissory note

1

Make a credit request with our financial consultants or in our offices.

2

Fill out the forms, attach the required documents and deliver them to our financial consultants or at our offices.

3

We will inform you of the result of your request.

4

The company where you work must authorize the payroll.

5

The credit will be disbursed according to your line of credit