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Vana review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Vana is a Guatemalan direct lender for adults who need a small personal loan paid into a bank account the same day, and its terms are short: 3 to 12. What you pay is high, with an APR of 80.34% and an arrangement fee on top.

Key facts

Best for
A small personal loan in Guatemala, drawn and repaid over a short period, with cash needed the same day.
APR
80.34%↗
Loan amount
GTQ 250 to GTQ 3,000↗
Term
3 to 12 months↗
Arrangement fee
Q18 to Q299 plus IVA (administrative, disbursement, third-party collection and credit assessment charges)↗
Credit check
Hard↗
Funding time
100% digital, in minutes, deposited into your bank account↗
Representative example
vana presta: Q1,000 for 90 days pays Q225 interest plus Q225 administrative charges plus IVA; total cost of credit Q450, total to pay Q1,450↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Valid DPI (national ID), submit application, own bank account; final approval depends on a credit assessment↗
Loan types
Personal↗
Legal entity
Vana Tech, Sociedad Anonima↗
Headquarters
Guatemala↗
Founded
2017↗
Support channels
Email↗
Features
Same-day funding
Official website
vana.gt

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIntiktok.comfacebook.cominstagram.com

Pros and cons

Pros

  • Funding is 100% digital, in minutes, deposited into your bank account.
  • Free early repayment, so settling before the end of the term costs nothing extra.
  • Amounts of GTQ 250 to GTQ 3,000 over terms of 3 to 12 keep each repayment modest, and Vana is a direct lender, so a single firm handles the application.

Cons

  • An APR of 80.34% against a 15.5% median in this category, with an arrangement fee on top, ranks Vana 312 of 338 brands on rate.
  • Support runs on email only, so there is no phone line or live chat when a payment needs sorting.
  • The credit check is hard, as hard shows, so an application that is turned down can still be recorded on your credit file.

Ready to try Vana?

Scored 8.7 / 10 by SumCue.

See alternatives

Who it suits

  • Adults in Guatemala with a valid DPI and a bank account in their own name who need cash quickly.
  • Borrowers who can repay within 3 to 12 and want the option to settle early at no extra cost.
  • People who prefer a direct lender and a fully online application, with same day funding listed among its features.

Who should look elsewhere

  • Borrowers who need a bigger sum than GTQ 250 to GTQ 3,000: Creduma ES starts at from €12,000.
  • Rate sensitive borrowers: Sofkredit lists 10.74% to 18.06% and Cashspace lists PHP 12 to PHP 36, both far below 80.34%.
  • Borrowers wanting a longer term than 3 to 12 to spread the repayments out.

How Vana compares

Where Vana is available

Available
Dominican Republic, Guatemala, Honduras, Peru

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Vana charge on a personal loan?+

The listed APR is 80.34%. An arrangement fee is added on top, covering administrative, disbursement, third party collection and credit assessment charges plus IVA. On a short term that fee weighs heavily, so the amount you take out matters as much as the rate itself.

How much can I borrow from Vana and over what term?+

Loans run GTQ 250 to GTQ 3,000 with terms of 3 to 12, a short and modest commitment rather than a long repayment. The lender is based in Guatemala and lends in quetzales, so a borrower budgeting in another currency has to allow for that.

How quickly does Vana pay out a loan?+

Funding is 100% digital, in minutes, deposited into your bank account. Same day funding is among the features listed for it, and the application runs entirely online, which suits a borrower who needs cash now rather than after a waiting period.

What does a Vana loan cost in total?+

In the published example interest and administrative charges come out at the same size, with IVA on top, and the term is 3 to 12. That means a short loan leaves the borrower paying well over the amount borrowed, so the fee and the term matter as much as the rate.

What credit check does Vana run?+

Vana runs a hard credit check, and the final decision rests on that credit assessment. Because the check is hard, an application that is turned down can still be recorded on your credit file, so it is worth checking your file before applying.

Who can apply to Vana?+

Applicants need a valid DPI, the national identity document used in Guatemala, a completed online application and a bank account in their own name. Final approval rests on a credit assessment rather than on the application alone, and the lender behind it is Vana Tech, Sociedad Anonima.

Can I repay a Vana loan early without a charge?+

Free early repayment is available, so clearing the balance before the end of 3 to 12 adds nothing to the cost. That is worth more here than a lower headline rate would be, given the arrangement fee is charged with the loan itself.

How do I contact Vana for help?+

Support runs on email only, so questions and problems about a payment are handled in writing by email rather than on a phone line or in a live chat. It suits borrowers who are comfortable writing and keeping a record of the exchange.

Sources

  • web.vana.gt/sobre-nosotros checked September 26, 2026

    Backs: Founded

  • cdn.vana.gt/terminos-de-servicio/index.html checked September 26, 2026

    Backs: Credit check, Legal entity, Lender type

  • vana.gt checked September 26, 2026

    Backs: Headquarters, Support channels

    “Direccion: 3A avenida, 13-78, zone 10, Citibank Tower, nivel 8, Guatemala, Guatemala”

  • vana.gt/presta checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Free early repayment, Funding time, Loan types, Arrangement fee, Representative example, Term

    “100% digital y en minutos”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Related by the facts

Vana

A small personal loan in Guatemala, drawn and repaid over a short period, with cash needed the same day.

8.7/10See alternatives