Tu Efecty is a personal loan service designed for easy access to financial assistance through an intuitive mobile application. Available on Android, this free app allows users to apply for loans to meet various financial needs, including daily expenses, entertainment, and travel. The application process is fully online, enabling users to receive loan approvals within 24 hours, making it a convenient option for urgent financial requirements.

The app offers loans ranging from CLP$30,000 to CLP$2,000,000, with repayment durations between 91 and 365 days. Interest rates start at a daily rate of 0.001%, translating to an annual rate of up to 0.365%. Additional fees include a stamp tax of 0.07% and a VAT of 11.8%. Users must be over 18, Chilean citizens, and hold a local bank account to qualify. Tu Efecty emphasizes user privacy, committing to protecting personal data throughout the loan process.