Frequently Asked Questions

Financiera FDL grants the loan amount, based on the ability to pay, for this it performs an economic evaluation of its income and expenses and the request made by the client.

1. Be at least 18 years old and maximum 65 years old (For old clients, 70 years are allowed)
2. Be Nicaraguan and have an identity card, or a foreigner with a valid residence card.
3. Have at least one year of residence in your home.
4. Carry out some type of economic activity (being a salaried worker, merchant, micro-entrepreneur, farmer or rancher)

It consists of the confirmation of the data provided by the clients.

1. Credit information (Risk centers)
2. Field verification by loan officers
3. Payment capacity

It is a verification of income and expenses (expenses, debts, commitments) this allows you to calculate your level of indebtedness.

Our branches and agencies serve the public from Monday to Friday from 8:15 am to 4:30 pm without closing at noon and on Saturdays from 8:15 am to 12:00 pm. (Some branches in the north and center by their nature close at noon).

• You can make payments for basic services such as electricity (electricity), water, telephone, Claro, Movistar recharges, Credits in Siman, Sky, Ocean Nicaragua. Also payments from some banks with which Punto Express has an alliance.
• Micro life insurance (Safe Family, Always Safe) and accident (Secure Income).
• LAFISE full cover policies for motorcycles financed by FFDL.
• Personal accident and school accident insurance with INISER

If you can make payments before the established date, you can also make extraordinary payments which are applied to the principal of the debt.

1. ID
2. Payment plan or credit number.
3. Indicate the currency of the loan.
4. Do not present days of delay.

Financiera FDL recommends that after making your payments, you consult your account statements at the corresponding branch or at the customer direct line 18001-7777. If you need to cancel your credit you have to go to the branch where you made the request.

• Tiendas El Bodegón
• Pollo Estrella
• Masesa
• Valenti’s Pizza
• Súper Express
• Ferretería Lugo
• Don Pan
• AM PM
• Servicentro

1. In any office of Financiera FDL, which has 39 branches nationwide.
2. At Puntoxpress or Airpack service centers

1. Records in the credit registry as a customer with a bad payment record
2. Collection to the guarantor.
3. Administrative collection by the institution.
4. Extra judicial collection, which may make the credit more expensive.
5. Collection through the courts.

It is the database that finance companies, micro finance companies, banks, commercial houses and cooperatives have of clients, these consolidated are used by the various institutions to consult the credit record. The client at the time of filling out the credit application, authorizes it to be reviewed in the risk centers.

It is the payment behavior that the person has obtained in each of the loans in financial institutions or commercial houses.