First Loan at 0% Interest: How to Use Fintech Promotions in Colombia Without Paying More Than Expected

A first loan with a promotional 0% interest rate can be a low-cost way to cover a short-term financial need, but only if the contract confirms that the benefit applies to the exact amount and repayment period you are taking. Being a new customer does not automatically guarantee a zero rate, and an advertisement showing “0%” does not necessarily mean there are no other charges. Before accepting, check how much money you will actually receive, how much you will repay, the exact due date, and what happens if you pay late.