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Kreditano is a free financial comparison platform in Mexico. In one place you compare loans, credit cards, insurance and investments from dozens of banks and SOFOMes, then apply online to the best offer.
Yes, completely free for you. You pay no commission. Kreditano is paid by its partners (banks and SOFOMes) when you choose an offer, which is why the service stays free.
We receive a commission from our partners when, through Kreditano, you choose and apply for a product. This doesn't change your cost — you get exactly the same terms as directly with the institution.
No. Simply comparing offers on Kreditano leaves no trace at Buró de Crédito. A query only appears if you actually submit a loan application to an institution.
The CAT (Costo Anual Total / Total Annual Cost) expresses the total yearly cost of a loan — the interest rate plus all mandatory fees and charges. It's the fairest indicator for comparing two offers, as regulated by Banxico.
Banks usually offer lower rates and larger amounts but require more documents and take longer to approve. SOFOMes (non-bank lenders) approve fast, 100% online, but at a higher CAT. Both are overseen under CNBV and CONDUSEF regulation.
It depends on your income, debt level and each institution's policy. Generally, personal loans go up to $500,000 MXN and online loans up to a few tens of thousands of pesos.
It's the ratio between your total monthly payments and your net monthly income. As a guideline, it's recommended that your debts not exceed 40% of your net income to keep your finances healthy.
Usually an official ID (INE), proof of address and proof of income (payroll receipts or bank statements). At SOFOMes, for small amounts, often just your INE is enough.
With SOFOMes and online loans the answer can come in minutes and the money the same day. With banks, approval usually takes 1–3 business days.
It depends on the institution. Some SOFOMes accept lower incomes or an imperfect history, but usually at a higher rate.
All products shown are in Mexican pesos (MXN, $). Most consumer and mortgage loans in Mexico are granted in pesos today.
The TIIE (interbank equilibrium interest rate) is the benchmark used to adjust many variable-rate loans in Mexico. When the TIIE rises or falls, your variable payment changes. A fixed rate stays unchanged.
Yes. You have the right to make early payments or pay off your loan ahead of schedule. Check your contract terms, since some institutions apply the payment directly to reducing the principal.
Yes. With a debt consolidation you can replace one or more loans with a new one, at a lower payment or a single monthly payment.
You must be at least 18 and usually a Mexican resident with provable income. The maximum age at the end of the loan varies by institution.
Yes. Your data is transmitted securely and used only to offer comparisons and connect you with the chosen institution, in line with Mexico's Federal Law on Protection of Personal Data.
No. You can compare offers and apply without an account. An account (optional) lets you save offers, see your estimated score and get alerts.