Mi Crédito Perú

About Mi Crédito Perú

Mi Crédito Perú is an online personal loan app created to provide fast, accessible, and transparent financial solutions to all Peruvians. Our platform offers loans from S/ 1,000 to S/ 30,000, with flexible terms and competitive rates. You don't need to leave home or deal with lengthy bank procedures. Just download the app, fill out a simple form, and receive the money you need in minutes.

Loan Details:
💰 Loan Amount: S/ 1,000 – S/ 30,000 (depending on credit profile)
📅 Loan Term: 91 – 240 days
📊 Daily Interest Rate: 0.05% – 0.07% (depending on credit evaluation)
📊 Maximum Annual Percentage Rate (APR): 18.25% – 25.55%
📊 Additional Fees: S/ 0 (No hidden costs)

Example Loan with Real Figures:
For a loan of S/ 1,000 with a term of 91 days, with a daily interest rate of 0.07% (depending on the user's credit evaluation), the fees are as follows:

Principal: S/ 1,000

Total Interest: S/ 63.70 1,000 × 0.07% × 91 days)

Fees or other charges: S/ 0

Total to pay: S/ 1,063.70

Maximum applicable APR/TCEA: 25.55%

Why choose Mi Crédito Perú?

✅ No collateral or complicated requirements
We don't require a guarantor, property, or a perfect credit history. The process is simple and accessible to everyone.

✅ Low and competitive rates
We offer interest rates starting at 0.05% daily, with a maximum APR/TCEA between 18.25% and 25.55% annually.

✅ Fast approval
Most users get a response in seconds. No unnecessary waiting.

✅ Fee-free transfer
We deposit the money directly into your bank account or preferred e-wallet, with no additional transfer fees.

✅ Safe and reliable
We protect your personal and financial information with the highest security standards.

✅ Refinancing on your next loan
After making timely payments, you'll have the opportunity to access a larger loan amount on your next application.