Request my spot

Request my spot

Request my spot

Request my spot

Request my spot

100% digital line of credit

100% digital line of credit

Your credit line,
ready in the app

Your credit line,
ready in the app

Your credit line, ready in the app

Your credit line, ready in the app

Your credit line,
ready in the app

Apply now and get a card*.
Instant, paperless, and without branches.

Apply now and get a card*. Instant, paperless, and without branches.

Apply now and get a card.Instant, paperless, and without branches.

Apply now and get a card*.
It's instant, paperwork-free, and with no branches.

Apply now and get a card*.
Instant, paperless, and without branches.

Approved quota of up to 50 000 000 COP

Approved quota of up to 50 000 000 COP

By continuing, you agree to Gavio's Privacy Policy and Terms and Conditions

One delivery day

One delivery day

One delivery day

A line of credit
that actually works for you

A line of credit
that actually works for you

A line of credit
that really works for you

A line of credit
that actually works for you

A line of credit
that really works for you

Instant, paperless, and branch-free. Apply today and use it today: your digital credit limit will be ready in minutes, directly on your phone.

Instant, paperless, and branch-free. Apply today and use it today: your digital credit limit will be ready in minutes, directly on your phone.

Instant, paperless, and branch-free. Apply today and use it today: your digital credit limit will be ready in minutes, directly on your phone.

Instant, paperless, and branch-free. Apply today and use it today: your digital credit limit will be ready in minutes, directly on your phone.

Cashback

in real money

Cashback

in real money

15%

Up to

Up to

Cashback

in real money

15%

Up to

Cashback

in real money

15%

Up to

100% digital
and instantly

100% digital
and instantly

Get approved right in the app, with no lines or paperwork. Your credit limit is activated in minutes, and your digital card is ready to make purchases the very same day.

Get approved right in the app, with no lines or paperwork. Your credit limit is activated in minutes, and your digital card is ready to make purchases the very same day.

100% digital and instantly

You get approved right inside the app, with no lines or paperwork. Your credit limit is activated in minutes and your digital card is ready for shopping the same day.

Payment flexibility

Pay the total balance before your due date and don't pay a single peso in interest. You choose when to pay.

Payment flexibility

Pay the total balance before your due date and don't pay a single peso in interest. You choose when to pay.

Payment flexibility

Pay the total balance before your due date and don't pay a single peso in interest. You choose when to pay.

Payment flexibility

Pay the total balance before your due date and don't pay a single peso in interest. You choose when to pay.

Payment flexibility

Pay the total balance before your due date and don't pay a single peso in interest. You choose when to pay.

Transfer it to your debit card

Transfer it to your debit card

Transfer part of your quota to your debit card, interest-free, and use it like cash whenever you need it.

Transfer part of your quota to your debit card, interest-free, and use it like cash whenever you need it.

60 days

60 days

60 days

60 days

without paying a single peso in interest.

without paying a single peso in interest.

without paying a single peso in interest.

without paying a single peso in interest.

Pay the total of your purchases before your deadline and you won't pay interest. You choose when to pay.

Pay the total of your purchases before your deadline and you won't pay interest. You choose when to pay.

Pay the total of your purchases before your deadline and you won't pay interest. You choose when to pay.

Day 1

Purchases with your card

Up to 30 billing days

Day 30

Days to pay interest-free

Your grace period

Days to pay without interest

Your grace period

Day 60

You pay the total · $0 in interest

And your quota is renewed

You pay the total · $0 in interest AND your quota is renewed

How it works

How it works

How it works

Three steps and your quota is ready

Three steps and your quota is ready.

Three steps and your quota is ready.

From your first click to your first purchase, on the very same day.

From your first click to your first purchase, on the very same day.

Request my spot

1

1

Apply in minutes

Complete your details from your cell phone. No paperwork, no office visits.

Complete your details from your cell phone. No paperwork, no office visits.

2

2

Find out your quota

We evaluate your request and let you know your approved limit immediately.

We evaluate your request and let you know your approved limit immediately.

3

3

Use it as a card

Your line is ready on a Mastercard card to shop and pay.

Your line is ready on a Mastercard card to shop and pay.

Frequently asked questions

Frequently asked questions

Frequently asked questions

Do I have to go to a branch?

No. Everything is 100% digital: you apply for your credit line from the app, with no lines or paperwork, and you get an answer in minutes.

How much is my quota?

We have approved a quota of up to 50 000 000 COP for you, assigned according to your profile. If you use your credit line for more than 3 months, we can automatically increase it.

How do the 60 interest-free days work?

If you pay the total of your purchases before your deadline, you don't pay a single peso in interest. You choose when to pay. Applies to purchases in a single installment; does not include ATM cash advances.

What is the interest rate?

The rate is 62.72% E.A. (effective annual rate), corresponding to the current usury rate (June 2026). If you pay on time within your interest-free period, you avoid paying interest on your purchases.

How can I pay?

Pay however suits you best: from the app, in cash via deposit, or through the network of authorized agents. You can also transfer part of your quota to your debit card, interest-free.

+57 60 1914 1066

ayuda@gavio.co

Argentum Business Solutions S.A.S. – NIT 902.074.692-6

© 2026 Copyright

* Completing this form does not constitute an offer of credit or guarantee its approval.

+57 60 1914 1066

ayuda@gavio.co

Argentum Business Solutions S.A.S. – NIT 902.074.692-6

© 2026 Copyright

* Completing this form does not constitute an offer of credit or guarantee its approval.

+57 60 1914 1066

ayuda@gavio.co

Argentum Business Solutions S.A.S. – NIT 902.074.692-6

© 2026 Copyright

* Completing this form does not constitute an offer of credit or guarantee its approval.

+57 60 1914 1066

ayuda@gavio.co

Argentum Business Solutions S.A.S. – NIT 902.074.692-6

© 2026 Copyright

* Completing this form does not constitute an offer of credit or guarantee its approval.

+57 60 1914 1066

ayuda@gavio.co

Argentum Business Solutions S.A.S. – NIT 902.074.692-6

© 2026 Copyright

* Completing this form does not constitute an offer of credit or guarantee its approval.

+57 60 1914 1066

ayuda@gavio.co

Argentum Business Solutions S.A.S. – NIT 902.074.692-6

© 2026 Copyright

* Completing this form does not constitute an offer of credit or guarantee its approval.