Moneyman
Moneyman is a Mexico-based digital lending platform offering short-term online personal loans ($500-$25,000 MXN, 7-30 days) to underserved consumers and microentrepreneurs via a 100% digital, automated underwriting model with nationwide 24/7 availability.
- Company typePrivate
- Founded2017
- HeadquartersMexico City, Mexico
- Headcount—
- GTM typeB2C
- OfferingServices
What Moneyman does
Moneyman is a Mexico-based digital lending platform that issues short-term online personal loans and microcredits to consumers and microentrepreneurs. Operated by IDF Servicios, S.A.P.I. de C.V. as a commercial brand under parent ID Finance (founded in Barcelona in 2015), the platform launched in Mexico in 2017 and has cumulatively approved more than 3 million loans. Loan sizes range from $500 to $25,000 MXN with terms of 7 to 30 days, structured through a tiered loyalty program (Inicio, Despegue, Ascenso, Turbo) that increases limits as customers build repayment history. New customers can access a 0% interest first loan up to $4,000 MXN as an acquisition funnel; the average disclosed CAT (Costo Anual Total) is 606.8% on a representative $3,000 MXN / 15-day loan.
Underwriting is automated via a proprietary risk-scoring algorithm that evaluates multiple variables and returns a decision in approximately one minute, with funds disbursed via bank transfer within 15 minutes. The platform supports identity verification through biometric (facial recognition) and INE/IFE/CURP checks, and is secured with SSL encryption. Loan extension options (up to 30 days, maximum 5 extensions) and late fees (2.5% daily plus VAT) generate additional revenue alongside core interest income; an optional medical assistance add-on provides an ancillary subscription stream.
The go-to-market is direct-to-consumer and product-led, with no physical branches and no external promoters. Distribution is entirely digital through the official website (moneyman.com.mx), native iOS and Android applications, and WhatsApp customer support, operating 24/7 across all of Mexico. Marketing is content-driven through a financial education blog and organic social channels; a customer referral program and Puntos Bono loyalty rewards further drive acquisition and retention. The company is a member of AMFE and is registered with Mexico's Buró de Entidades Financieras and Círculo de Crédito.
Moneyman firmographics
Firmographics- Name
- Moneyman
- Legal name
- IDF Servicios, S.A.P.I. de C.V.
- Website
- https://moneyman.com.mx
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Short description
- Moneyman is a Mexico-based digital lending platform offering short-term online personal loans ($500-$25,000 MXN, 7-30 days) to underserved consumers and microentrepreneurs via a 100% digital, automated underwriting model with nationwide 24/7 availability.
- Ownership category
- akta.pro rank
Moneyman industry classification
Industry- Product category
- Consumer Lending (Online Personal Loans and Microcredit)
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)
- akta.pro secondary industries
- Installment Payday Loans (FSAKAMAB), Single-Payment Payday Loans (FSAKAMAA), Short-Term Loan Servicing & Collections (Payday/Title) (FSAKAMAO)
Keywords
Where Moneyman is headquartered
LocationHeadquarters
- HQ city
- Mexico City
- HQ country
- Mexico
- HQ region
- Latin America
Offices1 record
Markets served
Moneyman business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations, Infrastructure
Revenue model
- Loan Interest Revenue: Primary revenue from interest charged on loans. Standard annual percentage rate (CAT) averages 606.8% for a $3,000 peso loan over 15 days. First-time customers may qualify for 0% promotional rate on loans up to $4,000 MXN.
- Late Payment Fees: Interest on overdue payments calculated at 2.5% daily plus VAT, plus collection expenses. Users who cannot pay on time are charged collection fees and mora interest.
- Loan Extension Fees: Customers can extend loan repayment period up to 30 days. Extensions are activated after payment is received. Maximum of 5 extensions per credit allowed.
- Optional Medical Assistance Membership: Optional medical assistance services available during loan term, including accident/death coverage, general medical consultations, dental assistance, and medication reimbursement. Includes accidental death or illness coverage that pays remaining loan balance.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | First-time customers: 0% interest on loans up to $4,000 MXN |
| Unit Pricing | Pay-as-you-go | Inicio tier: up to $4,000 MXN |
| Unit Pricing | Pay-as-you-go | Despegue tier: up to $9,000 MXN |
| Unit Pricing | Pay-as-you-go | Ascenso tier: up to $13,000 MXN |
| Unit Pricing | Pay-as-you-go | Turbo tier: up to $25,000 MXN |
| Unit Pricing | Pay-as-you-go | General loans: $1,000 - $25,000 MXN with 7-30 day terms |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Moneyman product offering
Product offeringCore offering
Moneyman operates a fully digital consumer lending platform in Mexico, granting short-term online personal loans and minicredits ranging from $500 to $25,000 MXN with 7-30 day repayment terms. The entire loan lifecycle—from application and risk assessment to approval, fund disbursement, and repayment—is conducted through its website and mobile application without physical branches or external promoters. Credit decisions are issued in approximately one minute and disbursed within 15 minutes, targeting individuals underserved by traditional banking, including those without credit history or with negative bureau records.
Product overview
Moneyman is a digital lending platform operated by IDF Servicios, S.A.P.I. de C.V. that offers a portfolio of online personal loans and microcredits in Mexico. The core offering consists of personal loans ranging from $500 to $25,000 MXN with short-term repayment periods of 7-30 days. The company serves both new customers (with 0% interest promotional loans up to $4,000 MXN) and returning customers through a tiered loyalty program (Inicio, Despegue, Ascenso, and Turbo levels) that provides increasing loan limits and better rates based on payment history. The product suite includes specialized variants—Express loans for quick approvals, Urgent loans for emergencies, loans without credit bureau checks for those with poor credit history, minicreditos starting from $1,000 MXN, and microcreditos for entrepreneurs. All services are delivered through the company's website and mobile application (iOS/Android), with full lifecycle management available digitally. Complementary offerings include a bonus points program for on-time payments and optional medical assistance services. The company leverages automated risk algorithms for instant credit decisions and advanced verification systems for identity authentication.
Differentiator
Problem solved
Functional benefit
Brands
- Préstamos Express: Quick online loans processed in minutes with minimal requirements.
- Préstamos Urgentes
- Préstamos sin Buró
- Minicréditos
- Microcréditos
Products and services
- Préstamos Personales en Línea (Online Personal Loans) Flagship online personal loan product allowing customers to borrow between $500 and $25,000 MXN with repayment terms of 7-30 days. New customers can access up to $4,000 MXN at 0% interest for their first loan. The entire application, approval, and disbursement process is digital and can be completed in under 10 minutes.
- Préstamos Express (Express Loans)
Quantifiable outcome
- 3 million+ loans approved since founding
- +3 more outcomes
Companies that use Moneyman
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles2 records
Moneyman technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability4 records
Feature3 records
Moneyman partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- AMFE (Asociación Mexicana de Entidades Financieras Especializadas)minorMoneyman is a member of AMFE, an association seeking good practices among Specialized Financial Entities. This membership demonstrates commitment to industry standards and responsible lending practices. Association membership provides industry networking and regulatory alignment opportunities.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Moneyman competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Moneyman social profiles
Digital presenceMoneyman compliance and trust
Trust signalCompliance6 records
Moneyman financial estimates
Financial estimateRevenue estimate
Valuation estimate
Moneyman leadership team
Management profileNumber of profiles
Moneyman funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Moneyman M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Moneyman
What does Moneyman do?
Moneyman operates a fully digital consumer lending platform in Mexico, granting short-term online personal loans and minicredits ranging from $500 to $25,000 MXN with 7-30 day repayment terms. The entire loan lifecycle—from application and risk assessment to approval, fund disbursement, and repayment—is conducted through its website and mobile application without physical branches or external promoters. Credit decisions are issued in approximately one minute and disbursed within 15 minutes, targeting individuals underserved by traditional banking, including those without credit history or with negative bureau records.
Is Moneyman a public or private company?
Moneyman is a private company. It is classified as corporate owned and is currently operating.
When was Moneyman founded?
Moneyman was founded in 2017.
Where is Moneyman based?
Moneyman is headquartered in Mexico City, Mexico, in the Latin America region.
How does Moneyman make money?
Four revenue lines are on record. Loan Interest Revenue is the primary driver. The others are late Payment Fees, loan Extension Fees and optional Medical Assistance Membership.
Does Moneyman have an API?
No public API is recorded for Moneyman.
What industry is Moneyman in?
Moneyman's product category is Consumer Lending (Online Personal Loans and Microcredit). Its primary akta.pro industry code is FSAKAAAH, Emergency & Short-Term Installment Personal Loans (Unsecured), with a secondary code of FSAKAMAB, Installment Payday Loans. Its NAICS code is 522 and its SIC code is 6141.