Measures for your financial peace of mind

We have implemented the following facilities to contribute to the peace of mind of our clients and their families in the face of their financial commitments, aligned with our mission of improving people’s quality of life:

  1. You can count on 3 months of peace of mind to pay your mortgage, personal, vehicle or SME loan, when the payment of your loan installment is rolling for that time.
  2. We give you two weeks of grace for the payment of all your APAP loans.
  3. All loans will be exempt from late fees for 30 days.
  4. You can postpone the minimum payment of your credit card until the next cut with “Skip Payment”. Without affecting your credit history, 0% late fees and no days in arrears. For this facility you do not have to do additional procedures, we have already enabled it for you.
  5. We have extended up to 28 days the payment period for the cut of your Credit Card for 30 days.
  6. Pay the cut of your credit card via your Deferred Credit Plus Limit in terms of up to 48 months, without commission and at a preferential rate.
  7. We have enabled 20% cashback for health in pharmacies and clinical laboratories; and for home entertainment on online music, video and movie streaming services.
  8. Zero commission on cash advances on Credit Cards and Deferred Credit Plus Limit, through APAPPMóvil, APAPenlíne @ and ATMs for 60 days.

** The option of rolling 3 months the payment of the installment of your mortgage, personal, vehicle or SME loan applies for the next three installments AUTOMATICALLY.

In case you do not want to opt for it, please send us an email with your name and surname, identification card and contact telephone number to

It applies for loans with less than 30 days in arrears, and for clients with a maximum of one installment pending payment.

The installment will be shot as follows: if you still have your March installment pending payment, your next installment will be in June; In case you have already paid your March installment, your next installment will be in July.

Certain conditions apply. Valid as of April 1, 2020.

Two weeks of grace for loan payment from the date of payment of the installment.

Exemption of charges for late payment to 30 days, applies for clients with a maximum of 1 installment pending payment.

Skip Payment applies to active credit cards with a cut-off date between March 25 and April 25, 2020. Overdraft, late, payment agreement or deferred credit Plus Limit cards do not apply. Customers who do not want the offer, can make their payment within the payment deadline.

28-day payment term extension applies to active credit cards with a cut-off date between March 28 and April 28, 2020. No More Limit participates.

Deferral of court with More Limit: request through chatAPAP, Appointments or Applies up to 6 days before the payment due date to cover the balance to date, the cutoff or a proportion of the balance in pesos and / dollars equal to or greater than RD $ 5,000.00. To defer the cut you must have the Plus Limit deferred credit with active status and have available.

Cashback for pharmacies, clinical laboratories and entertainment services valid from March 25 to April 10. Applies when accumulating a minimum equal to or greater than RD $ 3,500 among all participating categories. Return limit of RD $ 2,000.00 per card and will be credited in 25 working days after closing. No More Limit participates. Certain conditions apply.

Zero commission on cash advances valid from March 19 to May 18, 2020 through APAPPMóvil, APAPenlíne @ and ATMs nationwide. Daily advance limit up to RD $ 20,000 at ATMs. It does not apply to withdrawals made in the cashier area in branches or the PYME and Business Card products

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