Onest

Onest Financial

About this app

ONEST is the app where your money works for you: receive dollars from abroad, save in USD, and request a loan in minutes. All from your phone, without lines or paperwork.

-- Your Dollar Wallet
Open your virtual account in the United States and receive money directly.

- Your own account number and routing to receive ACH transfers from any U.S. bank.
- For remittances from your family or for collecting payments from clients abroad.

- Save your balance in dollars and convert it to pesos whenever you want.

- Send money instantly and for free to other Onest customers.

- Transfer to bank accounts in the Dominican Republic.

- To get started, all you need is your ID.

-- Your Loan Without a Credit Check
- Up to RD$30,000, with a response in minutes.

- We don't check your credit history or credit report: we evaluate your real profile, not your past.

- 0% interest: a single, fixed, and transparent fee.

- Pay it back in equal bi-weekly installments, with no surprises.
- No penalty for paying early.

-- Earn while using Onest
Managing your money wisely is rewarded. Every challenge you complete earns you points, and your points can be converted into discounts on Onest products, cash prizes, and other benefits. New challenges are available every month, and you participate simply by doing what you already do: receiving your dollars, maintaining your balance, sending money to loved ones, paying on time, or learning about your finances. The better you manage your money, the more you earn. Terms and conditions apply.

-- Who is Onest for?
At Onest, it doesn't matter what you do or how you get paid. Whether you deliver for PedidosYa, drive for Uber, own a small grocery store, run your own business, or receive a fixed bi-weekly salary, we designed each product to fit how you actually work and how you get paid, not the requirements of a bank.

-- Get started in 3 steps
1. Download the app and create your account.

2. Verify your identity with your ID or passport.

3. Activate your wallet or apply for your loan.

-- About your wallet
Your balance is held in USDc, a digital dollar pegged to the US dollar, with regulated providers. Onest is not a bank, and your balance does not constitute a bank deposit. Funds do not accrue interest and are not covered by the Contingency Fund of the Central Bank of the Dominican Republic or any deposit insurance scheme. Conversions to Dominican pesos are made through an authorized provider at the exchange rate in effect at the time of the transaction. Crediting and withdrawal times may vary. Access is subject to Know Your Customer (KYC) verification and current anti-money laundering regulations.

-- About our loans
Onest products are only available in the Dominican Republic. Customers can opt for loans starting at RD$1,500.00. We do not charge interest: we charge a one-time fee of up to 35% of the loan amount. The annual interest rate is 0%.

Minimum term: 61 days. Maximum term: 90 days. Maximum Annual Percentage Rate (APR): 262%.

Terms and fees vary depending on the loan type. You can prepay at any time, without extra charges.

Representative example: A loan of RD$12,000 for a term of 84 days, with an interest rate of 0.00% and a one-time fee of 32.5% (APR of 208.5%), is repaid in 6 consecutive bi-weekly installments of RD$2,650, for a total amount of RD$15,900. This example is for illustrative purposes only. Rates and terms depend on each applicant's profile. Not all clients receive the lowest rates. Onest reserves the right to reject applications; approval is not guaranteed.

-- Privacy and Permissions
When you create your account, we will ask for certain permissions and personal information to verify your identity and process your application. Your information is not shared or used without your consent.

Privacy Policy: https://onest.do/data-privacy

--> Questions?

Email us at [e-mail].

Your money, unhindered. ONEST is your super app to improve your financial life.

What’s new

¡Onest ahora también es tu billetera en dólares!

Abre tu cuenta virtual en Estados Unidos, recibe transferencias ACH y guarda tu saldo en USD. Envía dinero gratis a otros clientes Onest, convierte tus dólares a pesos cuando te convenga y transfiere a cuentas bancarias en República Dominicana.

También estrenamos una nueva imagen y una experiencia más moderna, clara y fácil de usar. ¡Actualiza y descubre todo lo nuevo!