Spean Luy is your reliable partner for personal line of credit in Cambodia. Get instant access to credit up to $1,000 for your shopping or emergency needs, anytime and anywhere. Key information: Draw period: Up to 12 months with the possibility to borrow, repay, and re-borrow money up to your credit limit. Repayment period: Begins after the draw period ends and can extend up to 365 days. Maximum Annual Percentage Rate (APR): 15%. We charge a service fee of 1 % of the principal. Spean will never charge you more than the amount of 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 (during which you can borrow, repay, and re-borrow) Repayment period = 6 months Interest rate =  12% p.a. Transfer fee =  5 USD Total repayment = 535 USD Monthly repayment during the repayment period = 89 USD *Interest rate varies with the length of the draw and repayment periods Our full repayment period is NOT less than 60 days as shown in the above example. Credit name: Personal line of credit and Small business credit Credit amounts: 50 USD to 1,000 USD *Spean reminds you to always check the fees, charges and terms and conditions of your credit offer before accepting. To qualify, a borrower must be a resident of Cambodia and satisfy our know-your-customer and underwriting requirements. Spean Luy Co., Ltd (MEF Registration No.T-19-0591). Additional terms and conditions apply. How it works: - Install the app - Apply within 10 minutes - Upload your national ID - Cash out to your Wing account within 1 working day - Scan QR for installment, or click Spean Buy on checkout screen for online shopping - Repay on time and increase your credit limit up to $1,000 with us! Why Spean: - No paperwork or office visits required - Ideal for daily working capital for your small businesses or personal needs - Access larger amounts with lower fees and longer repayment periods as you continue to repay on time - We use world-class technology to secure your information Need access to cash urgently? Want to pay in installments without a credit card? Download Spean Luy and apply for your personal line of credit now! Contact us: Smart 0969009292 Cellcard 077712053 Metfone 0882169742