FAQ Flow Lend

  1. What is Flow Lend?
  2. Flow Lend is a mobile application that allows an active Flow prepaid customer to request a credit advance (loan) for their account. Flow Lend loans can be used for voice calls, data/internet and sending SMS.

  3. Is there a charge associated with taking out a Flow loan?
  4. Yes. Customers will be charged a nominal fee for every loan:

    Country

    Beginner (Local Currency)

    Fee (Local Currency)

    Bronze (Local Currency)

    Fee (Local Currency)

    Silver (Local Currency)

    Fee (Local Currency)

    Gold (Local Currency)

    Fee   (Local Currency)

    Diamond (Local Currency)

    Fee (Local Currency)

    Bahamas

    4

    1

    7

    1.25

    12

    1.5

    16

    1.5

    20

    1.5

    Jamaica

    100

    10

    400

    40

    670

    50

    800

    60

    950

    60

    Anguilla

    5

    1

    10

    1.5

    20

    1.5

    40

    1.5

    50

    2.5

    Antigua

    10

    1

    20

    1

    30

    1.25

    40

    1.5

    50

    1.75

    British Virgin Islands

    5

    1

    10

    1.5

    15

    1.5

    20

    1.5

    30

    1.5

    Cayman Islands

    5

    1

    10

    1

    15

    1.5

    20

    1.5

    25

    1.5

    Montserrat

    5

    1

    16

    1

    35

    1.5

    45

    2

    60

    2.5

    St Kitts & Nevis

    5

    1

    15

    2

    35

    3

    45

    4

    60

    5

    Turks & Caicos

    5

    1

    12

    1

    20

    1.5

    30

    1.5

    40

    2

    Barbados

    9

    1

    15

    1

    26

    1.5

    35

    2

    46

    2.5

    Dominica

    5

    1

    10

    1.5

    20

    2

    30

    2

    40

    2

    Grenada

    5

    1

    12

    1

    20

    1.5

    30

    1.5

    40

    2

    St Lucia

    6

    0.5

    12

    1

    15

    1.25

    25

    1.75

    40

    2

    St Vincent & the Grenadines

    5

    0.5

    10

    1

    25

    2

    40

    3

    50

    3.5

     

  5. Can a Flow prepaid subscriber receive a Flow Lend loan request while roaming?
  6. Yes, a Flow prepaid subscriber can receive a Flow Lend request while roaming and apply for a loan.

  7. Can a non-Flow Prepaid customer request Flow Lend?
  8. No, non-Flow prepaid customers are unable to request a loan.

  9. Can Flow postpaid subscribers request Flow Lend?
  10. No, Flow postpaid subscribers are unable to request a loan.

  11. How many times can a Flow prepaid subscriber request Flow Lend loans?
  12. A Flow prepaid subscriber may take as many loans as they would like, once 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.

  13. How can a Flow prepaid subscriber payback a Flow Lend loan?
  14. A Flow prepaid subscriber may pay back a loan through a recharge purchased through voucher, direct top up, online top up, international top up or credit transfer. The recharge value will be applied towards the loan value. Promotional balance will not be used to repay a loan.

  15. If a prepaid subscriber has an overdue Flow Lend loan balance and participate in Flow prepaid promotion. How is the payback of the Flow Lend loan treated?
  16. In the event a recharge is performed by a prepaid subscriber and is subject to a given promotion, the promotional balance will first be used to repay an outstanding loan.

  17. What is the payback period for the Flow Lend Loan?
  18. The Flow prepaid subscriber will be prompted to pay back all loans within 7 days to receive points, but ultimately, he will have 30 days to repay the loan.

  19. Can a Flow Prepaid subscriber transfer lend credits to pay off a Flow Lend loan?
  20. Yes, Customers can use a transfer to pay off a Flow Lend loan.

  21. What happens to a Flow prepaid subscriber, if they surpass the payback period for the Flow Lend Loan?
  22. - 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 remain and will be deducted from any further recharge.

  23. How does a customer acquire points in the various categories; Bronze -> Silver -> Diamond? Flow
  24. A customer will be able to accumulate points at the various levels by repaying their outstanding loan on time.

    Loans are expected to be repaid within 30 days.

    - Pay before 15 days and receive 5 points

    - Pay between 16 -30 days, no points

    - Pay after 30 days and lose 5 points

    - All new loan requests at the Beginner level will get 10 points as a Welcome gift towards movement to the Bronze tier, which means they will only need 3 loans paid before 15 days to move to the bronze level.

    - All other levels require 5 loans paid before 15 days to move to the next level.

    Customers can check their points and level by dialing *135# and select option 6 - My Points

    Tier Points
    Beginner 0 - 24
    Bronze 25 - 49
    Silver 50 - 74
    Gold 75 - 99
    Diamond 100
  25. Will a Flow prepaid subscriber consume data charges for using the Flow Lend app?
  26. No, Flow prepaid subscribers will not consume data charges when using the Flow Lend app.

  27. Can a Flow prepaid subscriber register Flow Lend to another Flow prepaid subscriber?
  28. The Flow prepaid subscriber cannot register Flow Lend to another prepaid subscriber.

  29. Can a Flow prepaid subscriber use another prepaid subscriber’s verification code to access a Flow Lend Loan?
  30. No, the subscriber will receive the message "Something went wrong! The verification code you entered is invalid. Please re-enter or hit resend code.”

  31. If a Flow subscriber switches mobile SIM/number what happens to the loan repayment?
  32. All outstanding loans must be repaid before the number change is done.

  33. What happens to a Flow prepaid subscriber's points, when they repay the Flow Lend loan?
  34. All first-time subscriber’s level is set as BEGINNER. However, as the prepaid subscriber repays the loans they are awarded points. Once subscriber has accumulated enough points they will be upgraded to the next tier.