# Total Finance — Simple and secure > Secure client portal for managing loan balances, payments, and history. (iPhone/iPad app by Mack's Total Finance VBA.) - Source: https://appshunter.io/ios/app/total-finance/id6751838830 (this page in markdown: same URL + `.md`) - Developer: [Mack's Total Finance VBA](https://appshunter.io/developer/1837129730) - Category: Finance, Productivity - Price: Free - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 15.6 · 47 MB - Languages: American English - Released: 2026-03-09 - Data updated: 2026-08-07 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/total-finance/id6751838830/reviews.md ## What is Total Finance? Take control of your loan—anytime, anywhere.
 Our Client Portal App gives you simple, secure access to all your loan information in one easy place. Designed for existing clients, it helps you stay on top of your balance, payments, and history with zero hassle.

 What you can do in the app:
 - Track your loan balance in real time
 - Check upcoming or past payments with complete clarity
 - Pay instantly with Sentoo—fast, safe, and effortless
 - View your full payment history whenever you need it
 - Access your account securely from anywhere, at any time

 Built with convenience at its core, the app puts your loan details at your fingertips so you can manage your finances with confidence. No phone calls, no waiting—just instant access to what matters.

 Whether you’re reviewing your balance, making a quick payment, or checking your records, the Client Portal App keeps everything simple, secure, and stress-free.

 Your loan. Your control. Anytime. Anywhere. ===================================== Conditions of Loan Agreement 1. Interest Interest shall be payable on the loan or the unpaid portion thereof. Interest is calculated based on the actual number of calendar days from the date the loan amount is made available to the Borrower, on the basis of a 365-day year. Total may revise and adjust the interest at any time. Interest adjustments may result, for example, from changes in the Borrower's risk profile, market conditions, or the implementation of new laws and regulations. 2. Penalty for Late Payment In case of late payment of a monthly installment, the Borrower shall owe a penalty of Afl. 35.00 (Thirty-five Aruban Florins) for each month that payment is overdue. If Total proceeds with collection measures, the Borrower shall bear all related costs, including collection letters, legal costs, and enforcement costs. Total reserves the right to claim actual extrajudicial collection costs in accordance with applicable law. 3. Loan Information and Payment Schedule Total offers different credit products, including personal loans and vehicle loans. The final loan conditions are determined based on an individual credit assessment and the terms of the Loan Agreement. Loan Ranges Personal Loans Loan Amount: AWG 2,500 – AWG 35,000
Loan Term: 12 – 60 months
Annual Percentage Rate (APR): 18% – 27% Vehicle Loans Loan Amount: AWG 20,000 – AWG 55,000
Loan Term: 12 – 60 months
Annual Percentage Rate (APR): 9% – 14% Representative Examples Personal Loan Example Loan Amount: AWG 10,000
Loan Term: 48 months
APR: 24% Estimated Monthly Payment: AWG 313.46
Total Repayment: AWG 15,046.08 Vehicle Loan Example Loan Amount: AWG 30,000
Loan Term: 60 months
APR: 10% Estimated Monthly Payment: AWG 631.08
Total Repayment: AWG 37,864.80 These examples are provided for illustrative purposes only. Payment Schedule Loan repayment is made through monthly payments. Payments must be made no later than the 1st day of each calendar month, with the first payment due on the 1st day of the month following loan disbursement, unless otherwise agreed in writing. Payments will continue monthly until the outstanding balance of the loan, including accrued interest and applicable costs, is fully repaid. The final payment shall consist of the remaining outstanding balance at that time. 4. Additional Disclosures - The maximum Annual Percentage Rate (APR), including applicable fees and costs, will not exceed 27%. - Total does not offer loans that require full repayment of the loan within 60 days or less. - Loan calculations or payment simulations provided through a calculator or application are estimates only and may differ from the final loan terms. - Loans may include additional costs such as administration fees, insurance premiums, or other contractually agreed charges. Any applicable costs are included in the calculation of the Annual Percentage Rate (APR). - Borrowers should carefully consider their financial situation before entering into a loan agreement. ## Key features - Track loan balance in real time - Check upcoming and past payments - Instant payments via Sentoo - View full payment history - Secure account access anywhere ## Frequently asked questions about Total Finance ### What can I do with Total Finance? Total Finance allows you to track your loan balance in real time, check upcoming or past payments, make instant payments via Sentoo, and view your full payment history. You can access your account securely from anywhere, at any time. ### Is Total Finance secure? Yes, the app is designed for simple and secure access to all your loan information. It provides secure account access from anywhere, at any time, ensuring your financial data is protected. ### What types of loans does Total Finance offer? Total Finance offers different credit products, including personal loans and vehicle loans. The specific loan conditions are determined based on an individual credit assessment and the terms of the Loan Agreement. ### What are the interest rates and APR for loans? For personal loans, the Annual Percentage Rate (APR) ranges from 18% to 27%. For vehicle loans, the APR ranges from 9% to 14%. These rates are subject to change based on various factors. ### What happens if I make a late payment? In case of late payment of a monthly installment, you will owe a penalty of Afl. 35.00 for each month that payment is overdue. If collection measures are taken, you will bear all related costs. ### How are loan payments made? Loan repayment is made through monthly payments. Payments must be made no later than the 1st day of each calendar month, with the first payment due on the 1st. ### Does Total Finance have ads? No, Total Finance does not contain advertisements. It is a free application designed for managing your loan information without interruptions. ### What devices is Total Finance available on? Total Finance is available on iPhone, iPad, and iPod. It is designed for iOS devices. ## Version history (last 5 releases) ### 1.2.0 — 2026-08-06 Loan offers now display the highest available Annual Percentage Rate (APR). Improved the loan application flow by preserving your entered information when no repayment options are available, making it easy to adjust the loan amount and try again. You can now dismiss the keyboard while completing the loan application form. Loan statement downloads are more reliable and now provide a clear error message if a download cannot be completed. Expanded support for Dynamic Type, improving accessibility across a wider range of text size settings. ### 1.1.7 — 2026-07-07 Expands self-service capabilities for loan applications. Customers now have refinancing support to the loan application process and includes several usability, web, and build improvements. ### 1.1.6 — 2026-05-31 1. Improved Payment Link Experience - Improved the payment link page so longer content is scrollable and easier to use on smaller screens. - Added clearer payment timing support so expiry information is more precise for customers completing a payment. 2. Clearer Loan Information - Added loan ID visibility in the app to make support, reference, and account verification tasks easier. - Updated loan term content to reflect the latest approved wording. ### 1.1.4 — 2026-03-25 Apply for a Loan Directly in the App You can now start and submit a loan application without ever leaving the app. The full application experience is built right in, making it faster and easier than ever to get started. Loan Terms Now in the More Page Your loan agreement conditions are now easier to find. A new Loan Terms option has been added to the More page, giving you quick access to review your terms whenever you need them. Smoother Payment Link Navigation Opening payment links is now more reliable and consistent, whether or not they include a status. We've improved how payment links are handled behind the scenes to reduce any unexpected behavior when navigating through them. ### 1.1.3 — 2026-03-09 No release notes. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-07.*