About LumiCred-Crédito Transparente
LumiCred is an online loan app designed exclusively for users in Mexico, offering secure, fast, and convenient personal loan services. No collateral or guarantor is required; all you need is your cell phone and your INE (Mexican voter ID). You can complete the entire process from home and receive your money the same day.
We have a valid operating license and are supervised by CONDUSEF (National Commission for the Protection and Defense of Financial Services Users), strictly complying with Mexican financial regulations to safeguard the rights of each of our borrowers.
LumiCred Loan Terms
- Loan Amount: $300 ~ $60,000 MXN
- Term: 90 days ~ 360 days
- Daily Interest Rate: 0.01% ~ 0.1%
- APR (Annual Percentage Rate): 3.6% - 36%
- Value Added Tax (VAT): 16%
Example Loan
For a loan of $2,000 MXN for a term of 180 days, APR (Annual Percentage Rate) 32.4%:
- Loan Amount: $2,000 MXN
- Total Interest: $2,000 × 32.4% ÷ 360 × 180 days = $324 MXN
- VAT on Interest: $324 × 16% = $51.84 MXN
- Total Amount Due (VAT included) (included): $2,000 + $324 + $51.84 = $2,375.84 MXN
Why choose LumiCred?
⚡ Immediate approval: Apply in 3 minutes, credit available the same day
📱 100% digital: No need to visit a branch; completely online and paperless process
🔓 No collateral: No guarantor or co-signer required
🔒 Bank security: 256-bit SSL encryption with comprehensive data transmission protection
📈 Credit history: On-time payments allow you to increase your credit line and extend repayment terms
✅ Regulated operation: Supervised by CONDUSEF and other competent financial authorities
🎁 Bonus for on-time payments: Consistently making your payments qualifies you for a bonus on interest
How to apply for your loan? 1. Search for LumiCred on the Google Play Store and download the app.
2. Register and complete your basic personal information.
3. Select your desired loan amount and term, and submit your application.
4. Wait for the loan approval (in just 3 minutes).
5. Once approved, the funds will be deposited directly into your bank account.
Eligibility Requirements
- Be over 18 years of age
- Be a Mexican citizen with a valid INE (National Electoral Institute) ID
- Have a Mexican bank account in the applicant's name
- Have an active Mexican mobile phone number
Payment Methods
- Bank transfer (SPEI): Online payment via mobile or online banking, no fees, available 24/7
- Cash payment at convenience stores: Payment available at OXXO stores
📬 Contact Us
📧 Customer Service Email: [email protected]
🌐 Official Website: https://www.lumicred.mx
📍 Address: Ave Lago Zurich 219, Interior 2061, Colonia Ampliación Granada, Miguel Hidalgo, Mexico City, C.P. 11529
🕐 Business Hours: 9:00 AM - 7:00 PM
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