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FlowMoney — A Transparent and Efficient Loan Service Platform

FlowMoney - Convenient Loans. We are an online loan platform developed, operated, and financed by RUTAS VIAJES COMPANY LIMITED.

📱 How to Apply

1. Download and Register, Fill in Basic Information

→ Download the app from the Google Play Store and register.

→ Use your ID card to verify your identity.

→ Enter a bank account in your name that can receive transferred funds.

2. Choose a Loan Plan

→ Select your desired loan amount and repayment period.

3. Receive Loan Funds

→ Automatic approval system, real-time results notification.

→ Fastest approval within 5 minutes, funds transferred to your linked account.

⚖️ FlowMoney - Convenient Loans operates strictly in accordance with relevant laws and regulations. The maximum annual interest rate (APR) is 13%, in compliance with the requirements of regulatory authorities in Thailand, and is not under the supervision of the BOT and FTO.

📊 Loan Details

Loan Amount: 2,100 – 100,000 THB

Annual Interest Rate (APR): 10% – 13% (This figure is a range of interest rates) (Not the maximum rate)

Minimum and maximum loan terms: 91 – 180 days

Other fees: No hidden fees

📝 Loan Example

Loan amount: 10,000 baht

Loan term: 91 days

Annual interest rate: 10%

Interest rate per day = 10% ÷ 365 ≈ 0.0274%

Total interest = 10,000 × 0.0274% × 91 = 249 baht

Total repayment = Principal 10,000 + Interest 249 = 10,249 baht

🔒 Security and Personal Data Protection

✔ Data encryption: Uses 256-bit SSL encryption technology

✔ Legal compliance: Strictly operates in accordance with Thailand's Personal Data Protection Act (PDPA)

✔ Privacy policy: No user data is sold or disclosed to third parties

✅ Applicant Qualifications

✔ Thai nationality

✔ Age 20–55 years

✔ Have a regular income

✔ Must have a national ID card and a bank account in their own name.

⚡Product Highlights

✔ Transparent Interest Rates: Annual interest rate 10%–13%, daily interest rate 0.027%–0.036%

✔ Increased Loan Limit: On-time payments allow you to increase your loan limit up to 100,000 baht.

✔ Flexible Repayment: Early account closure is possible without penalty.

✔ Special Repeat Loan Rights: Existing customers can apply for subsequent loans through our fast approval process.

⚠️Important Statement

FlowMoney - Convenient Loans provides convenient and fast online loan services to users.

Please note: This platform does not provide loans directly. User loan applications are reviewed by our partner companies, and the final approval result will be based on various factors such as credit history, income, and relevant information of the applicant.

⚠️Caution

✔ Loans are only for legal personal consumption purposes.

✔ The final interest rate is subject to assessment based on credit status.

✔ Late payments will affect your credit score and eligibility for future loans.

✔ The transfer time depends on the bank's processing speed.

📞Customer Service 🏢 Company Name: RUTAS VIAJES COMPANY LIMITED

✉️ Customer Service Email: cashhyouserve@outlook.com

📍 Company Address: Jl. Wae Wasa, Kel. Wae Kelambu, Kec. Komodo, Kabupaten Manggarai Barat - 86754, Indonesia

🌐 Website: https://www.ptrutasviajes.com/

🕒 Business Hours: Monday–Friday 09:00–20:00 (excluding public holidays)