Spean Luy 3.2.14

Spean Luy is a reliable provider of personal lines of credit in Cambodia. With Spean Luy, you can have instant access to credit up to $1,000 for your shopping or emergency needs, available anytime and anywhere.

Key Information

• Draw period: Up to 12 months, allowing you to borrow, repay, and re-borrow money up to your credit limit.
• Repayment period: Starts after the draw period ends and can extend up to 365 days.
• Maximum Annual Percentage Rate (APR): 15%. A service fee of 1% of the principal will be charged.
• Spean Luy will not charge you more than your service fee. Interest and fees do not compound or accrue.

Example of Line of Credit Usage

• Credit line amount: $500 USD
• Draw period: 6 months (where you can borrow, repay, and re-borrow)
• Repayment period: 6 months
• Interest rate: 12% per annum.
• Transfer fee: $5 USD
• Total repayment: $535 USD
• Monthly repayment during the repayment period: $89 USD

*The interest rate may vary depending on the length of the draw and repayment periods.

The full repayment period for our services is not less than 60 days as shown in the above example. We offer both personal lines of credit and small business credit with credit amounts ranging from $50 USD to $1,000 USD. We kindly remind you to always review the fees, charges, and terms and conditions of your credit offer before accepting.

In order to qualify, borrowers must be residents of Cambodia and meet our know-your-customer and underwriting requirements. Spean Luy Co., Ltd (MEF Registration No.T-19-0591). Additional terms and conditions may apply.

How It Works

• Install the app
• Complete the application within 10 minutes
• Upload your national ID
• Receive cash in your Wing account within 1 working day
• Scan QR for installment payments or click "Spean Buy" during online shopping checkout
• Repay on time and increase your credit limit up to $1,000 with us!

Why Choose Spean Luy

• No paperwork or office visits required
• Ideal for daily working capital for small businesses or personal needs
• Access larger amounts with lower fees and longer repayment periods as you continue to make timely repayments
• We utilize world-class technology to secure your information

If you need access to cash urgently or want to make installment payments without a credit card, download the Spean Luy app now and apply for your personal line of credit!

Contact Us

• Smart: 0969009292
• Cellcard: 077712053
• Metfone: 0882169742