Flow Lend | Flow

Flow Lend

 

 

Top Up with Flow Lend
anytime,
anywhere
 
Flow Lend is a mobile application that allows Flow prepaid customers to request a credit advance (loan) for their account. Flow Lend loans can be used for voice calls, data/Internet and sending SMS. Flow prepaid customers with Android and iOS devices can access and use Flow Lend.
 

 

 


 

 

 
Features

 

Top up your phone instantly with loans from Flow Lend! Paying back is easy - just top up with cash at any Flow location. Pay back on time to earn points and level up!

 

  • Instantly take a loan to top up your phone
  • Pay back on time to earn points and level up
  • Check your balance directly in the app
  • Exclusively for Flow prepaid subscribers

  Download for Apple   Download for Android

 


 

 
 
 
Downloads

 

 

 

 

 


 

How To
Log in

 

  • Download Flow lend App
  • When your Balance is low you’ll receive an SMS for Loan eligibility
  • Enter your mobile number to login and verify the 4 - digit confirmation code sent via SMS
  • Check your Balance, select your loan amount and confirm


 


 

frequently asked
questions

 

Flow Lend is a mobile application that allows Flow prepaid customers to request a credit advance (loan) for their account. Flow Lend loans can be used for voice calls, data/Internet and sending SMS. Note at present only Flow subscriber with Android devices can access and use Flow Lend.
Flow Antigua will be the first market to launch Flow Lend.
Flow Lend will be launched on 8th April 2016.

Once a Flow prepaid subscriber approaches a balance of $2.50 or less, Flow Lend will analyze their creditworthiness (using 3 months of account history). If that prepaid Flow is deemed worthy, Flow Lend invites the prepaid subscriber to download the app via SMS in real time.

When the Flow Lend loan is awarded, the prepaid subscriber will receive a confirmation of their new balance and the re-payment date. If the request has been turned down, Flow prepaid subscriber will be informed that they are currently not eligible at the moment.

The prepaid subscriber’s loan will go into their current balance, though an adjustment; while in parallel his loan account will be adjusted negatively for the same value.

Yes, a Flow prepaid subscriber receive a Flow Lend request while roaming and apply for a loan.
No, non Flow prepaid customer are unable to request a loan.
No, Flow postpaid subscribers are unable to request a loan.
A Flow prepaid subscriber may take as many loans as they would like, as long as any prior loan has been paid in full. If there are unpaid balances, the prepaid subscriber will not be able to take on another loan.

A Flow prepaid subscriber may pay back a loan through a recharge purchased through voucher, direct topup, online topup or international topup. The recharge value will be applied towards the loan value.

A credit transfer will not be eligible for a loan payment. If a loan is outstanding and the prepaid subscriber receives a credit transfer, it will go into their main balance and their loan will remain outstanding.

In the event a recharge is performed by a prepaid subscriber and is subject to a given promotion, the promotional balance derived from it will not be able to be used to repay an outstanding loan.
The Flow prepaid subscriber will be prompted to pay back all loans within 7 days, but ultimately he will have 30 days to repay the loan.
Customers cannot use a transfer to pay off a Flow Lend loan.

Repays: If a Flow prepaid subscriber surpassed the 30-day-period to repay, but pays back before reaching an inactive state, his debt will be considered repaid. Partially repays: if the Flow Prepaid subscriber makes a partial repayment over the course of the next 30 days after their loan was issued, their outstanding balance will still remain and will be deducted from any further recharge.

Does not repay: if a Flow prepaid subscriber does not repay within the 30 day period, and is then inactive, he will be disconnected and his outstanding balance will be treated as bad debt.

Any use derived from the Flow Lend app will be zero-rated; and will therefore not generate any billing for data consumed while consumer is using it.
The Flow prepaid subscriber cannot register Flow Lend to another prepaid subscriber.
The subscriber will receive the message "Something went wrong! The verification code you entered is invalid. Please re-enter or hit resend code.
The CSR will query the prepaid subscriber previous prepaid account and advise the subscriber to replay loan.
All first time subscribers level are set as BEGINNERs, however as the prepaid subscriber repay the loans they are awarded points and leveled to bronze etc.