Y99

Y99

About this app

App Title
EN: Y99 – Collateral-Based Loan & Pawn Service (Vietnam)
VI: Y99 – Collateral-Based Loan & Pawn Service
Short Description
EN:
Y99 offers legal, transparent collateral-based loans in Vietnam. Secure funds using approved assets like iPhones or vehicles. Fast appraisal, clear terms, licensed provider.
VI:
Y99 provides legal, transparent collateral loan services in Vietnam. Pawn iPhones, cars, or eligible assets. Fast appraisal, clear interest rates, licensed provider.
Full Description
EN:
Y99 is a legally licensed collateral-based loan and pawn service provider in Vietnam (not a personal loan or payday loan app).
We provide short- and medium-term pawn loans secured by physical or digital assets such as iPhones, laptops, or vehicle registrations.
Key Features:
Licensed pawnshop service under Decree 96/2016/ND-CP
Collateral-backed loans (not unsecured personal loans)
Instant appraisal and fast approval
Transparent interest rate & service fees
Early repayment without penalty
Legal compliance with Vietnamese pawnshop regulations
Loan Terms:
Minimum loan term: 2 months
Maximum loan term: 12 months
Monthly interest rate: 1,099% (≈13,188% per year)
Service & appraisal fee: 10% (one-time, upon disbursement)
Late payment fee: 150% of normal rate (applied only to overdue amount)
Early repayment: Allowed anytime, no penalty
Maximum Annual Percentage Rate (APR): 35%


Representative Example:
If you borrow 10,000,000 VND for 2 months →
Interest: 219,800 VND →
Service fee: 1,000,000 VND →
Total payable: 11,219,800 VND →
Equivalent APR ≈ 35% per annum
Legal & Ownership:
Provider: Y99 Private Enterprise
Tax Code: 1801778932
Address: 99B Nguyen Trai, Ninh Kieu, Can Tho, Vietnam
Hotline: [phone] | [phone]
Email: [e-mail]
Working hours: 09:00 – 20:00 daily
We do not offer payday loans or personal loans.
All services are fully licensed under Vietnamese law.
Privacy Policy: https://www.y99.vn/policy
Loan Terms: https://www.y99.vn/terms

VI:
Y99 is a legal secured loan service provider, licensed under Decree 96/2016/ND-CP.
We do not provide unsecured loans or hot loans, but only provide loans with collateral such as iPhone, laptop, vehicle registration, etc.
Outstanding features:
Legally licensed mortgage service
Loans with collateral, not unsecured loans
Fast application approval, instant appraisal
Transparent interest rate & fee structure
Allow early settlement without penalty
Comply with Vietnamese pawn laws
Loan details:
Minimum term: 2 months
Maximum term: 12 months
Monthly interest rate: 1.099% (≈13.188%/year)
Service & appraisal fee: 10% (one time upon disbursement)
Late payment fee: 150% of the regular interest rate (only calculated for the overdue amount)
Early settlement: Allowed at any time, no penalty
Maximum annual percentage rate (Maximum APR): 35%/year

Illustrative example:
Borrow 10,000,000 VND for 2 months →
Interest: 219,800 VND →
Service fee: 1,000,000 VND →
Total payable: 11,219,800 VND →
Equivalent to APR ≈ 35%/year
Legal information & contact:
Private enterprise Y99
Tax code: 1801778932
Address: 99B Nguyen Trai, Ninh Kieu, Can Tho
Hotline: [phone] | [phone]
Email: [e-mail]
Business hours: 09:00 – 20:00 daily
Privacy policy: https://www.y99.vn/policy
Loan terms: https://www.y99.vn/terms

What’s new

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