UM Easy Loan

UM Easy Loan, initially designed for its existing clients only, is a digital lending app that provides eligible customers with access to personal loans through a simple and secure mobile experience. You can apply for a loan in minutes, receive a lending decision quickly, and manage your loan directly from the app. Key Features • Apply for a personal loan anytime, anywhere • Quick application and loan decision • Secure and paperless process • View your loan balance and repayment schedule • Make repayments through supported payment channels • Track your loan history and account activity Why Choose UM Easy Loan? • Fast and convenient digital borrowing • Transparent loan terms • Secure customer information • Easy-to-use mobile interface Loan Terms • Repayment period: minimum 3 months to maximum 24 months • We do not offer loans requiring full repayment in 60 days or less • Maximum Annual Percentage Rate (APR): 36% • Processing fee: 2% of the loan amount Representative Example A loan of 100,000 (local currency) repaid over 12 months at 24% APR with a 2% processing fee (2,000): • Monthly payment: approx. 9,456 • Total interest: approx. 13,472 • Total cost of the loan: approx. 115,472 (principal + interest + fees) This is a representative illustration only; actual figures vary by country and product. Important Information Loan approval is subject to eligibility and credit assessment. Full loan terms are presented before you accept any loan offer.