Back to the origins
Historically, in its early days, banks worked with people and trust each other. If you wanted a loan, the requirement of the local bank was to have a trustworthy person to guarantee it. Then things changed, and it was the automated processes using computers that took over your credit, limiting the number of concessions because the credit rating or creditworthiness was not adequate. We know how a person who is denied a loan feels and that is why we have created MoneyMas, a loan company that modernizes the granting of loans, returning to the origin. Clarification at oxuscom.com
Decisions made by real people
We do not allow computers to decide if our clients can access a loan. The most important thing for us is that you have the necessary capacity to repay the loan and you have a friend or family member who trusts you to guarantee the return of the loan in case you do not do so. Before granting any loan, we will have a telephone conversation with you and your guarantor. Our decisions are based on common sense.
No additional costs
When difficult times come, the last thing you need is for someone to take advantage of your money. We can only charge expenses for late payments.
What happens when things go wrong?
We collect maturities in the same way that any lender would. If a payment is not made when it is due, we will send you an MMS to remind you. If we continue without charging we will call you and send you an email to find out if something is wrong. Our priority is to solve the unpaid maturity so that it does not become a bigger problem. Obviously, since our loans are guaranteed by a guarantor, if a borrower does not pay, the guarantor will have to do so. In rare cases, when we do not collect from either the borrower or the guarantor, we will pass the case on to our recovery department.