MiCredito
MiCredito is an Argentine non-bank consumer lender (Soluciones Financorp S.A., BCRA N° 55,424) that issues peso-denominated personal loans ranging from ARS 140,000 to ARS 640,000 to individual borrowers, distributed via a digital application, WhatsApp verification, and at-home contract signing.
- Company typePrivate
- Founded2016
- HeadquartersSan Isidro, Argentina
- Headcount101–250
- GTM typeB2C
- OfferingServices
What MiCredito does
MiCredito is an Argentine fintech operating as a non-bank consumer lender to individual borrowers. The business is conducted through Soluciones Financorp S.A., a sociedad anónima registered with the Banco Central de la República Argentina (BCRA) as a non-financial credit provider under Registration N° 55,424, with legal domicile at Arévalo 1361, Buenos Aires, and an additional office in San Isidro. Founded in 2016, the company employs between 101 and 250 people and serves domestic Argentine consumers who lack access to traditional bank credit.
The core product is a peso-denominated personal loan issued at fixed rates with weekly or bi-weekly installment schedules, with loan tickets ranging from ARS 140,000 to ARS 640,000. Disclosed example pricing implies a TNA of 250.0%, TEA of 1,049.7%, and CFTEA of 1,760.3% for a representative five-week loan. Onboarding is hybrid: customers complete an online loan calculator and application form on micredito.com.ar, verify identity via WhatsApp, and finalize contracts through a representative's at-home visit. A complementary 0% interest credit assistance program (Asistencia Crediticia a Tasa 0%) targets social and environmental entrepreneurs. The company monetizes exclusively through interest income on originated personal loans; no fees, subscription, or marketplace revenue streams are disclosed.
MiCredito's go-to-market is direct-to-consumer, relying on organic social media presence (Facebook, Instagram, LinkedIn) and WhatsApp as primary acquisition and verification channels. The firm markets itself on accessibility, speed, and home-visit convenience, and emphasizes ESG positioning including 100% carbon emission compensation across operations. The business operates exclusively within Argentina; no international expansion, funding rounds, M&A activity, or external equity backing are disclosed in the available data.
MiCredito firmographics
Firmographics- Name
- MiCredito
- Legal name
- Soluciones Financorp S.A.
- Website
- https://micredito.com.ar
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- MiCredito is an Argentine non-bank consumer lender (Soluciones Financorp S.A., BCRA N° 55,424) that issues peso-denominated personal loans ranging from ARS 140,000 to ARS 640,000 to individual borrowers, distributed via a digital application, WhatsApp verification, and at-home contract signing.
- Ownership category
- akta.pro rank
MiCredito industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Subprime Installment Loans (Non-Prime Personal Loans) (FSAKAOAA)
Keywords
Where MiCredito is headquartered
LocationHeadquarters
- HQ city
- San Isidro
- HQ country
- Argentina
- HQ region
- Latin America
Offices1 record
Markets served
MiCredito business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Supply Chain
Revenue model
- Personal Loan Interest: MiCredito generates revenue through interest charged on personal loans. Loans are issued in Argentine pesos at fixed rates with weekly or bi-weekly installment payments. The company is registered as a non-financial credit provider (Proveedor No Financiero de Crédito) with BCRA under registration N° 55.424, enabling them to offer consumer lending services outside the traditional banking system.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Minimum loan of $140,000 to maximum $640,000 based on credit profile |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
MiCredito product offering
Product offeringCore offering
MiCredito offers Argentine peso-denominated personal loans to individual consumers, with amounts ranging from ARS 140,000 to ARS 640,000, fixed interest rates, and weekly or bi-weekly installment repayments. The company differentiates itself through a digital application process combined with at-home contract signing visits, and it also provides a complementary zero-interest credit assistance program (Asistencia Crediticia a Tasa 0%) for social and environmental entrepreneurs.
Product overview
MiCredito is a single-product personal lending service operated by Soluciones Financorp S.A. The core offering is the MiCredito personal loan product, which provides peso-denominated credit with weekly or bi-weekly payment schedules. A complementary offering is the zero-rate credit assistance program (Asistencia Crediticia a Tasa 0%) designed for social and environmental entrepreneurs. The company is registered with Argentina's central bank (BCRA) as a non-financial credit provider.
Differentiator
Problem solved
Functional benefit
Products and services
- MiCredito Personal Loans
- Asistencia Crediticia a Tasa 0% (Zero-Interest Credit Assistance)
Quantifiable outcome
- Loans processed with home visit verification and contract signing
Companies that use MiCredito
Customer profileNamed customers4 records
Segments1 record
Ideal customer profiles1 record
MiCredito technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
MiCredito partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Banco Central de la República Argentina (BCRA)coreMiCredito (operated by Soluciones Financorp S.A.) is registered as a non-financial credit provider (Proveedor No Financiero de Crédito) under BCRA registration N° 55.424. This registration enables them to legally offer consumer lending services in Argentina outside the traditional banking system. They are subject to BCRA regulations including compliance with consumer protection laws.
Scale indicators1 record
Recent moves5 records
Expansion highlights4 records
MiCredito competitors and assessment
Company assessmentDirect peers
- OK Credit: Argentine consumer credit fintech providing personal loans via digital channels. Comparable as a domestic non-depository lender targeting similar borrower segments.
- Wenance: Argentine fintech non-bank lender offering consumer and small-business credit, operating under similar non-bank credit frameworks. Directly comparable as a domestic non-depository consumer lender.
- Efectivo Sí: Argentina-based non-bank consumer lender offering personal loans to individuals outside the traditional banking system. Directly comparable in product, customer profile, and regulatory category.
- Credicuotas: Argentine fintech consumer lender targeting underbanked and subprime borrowers with installment credit. Closely aligned business model and customer segment to MiCredito.
Broad incumbents
- Mercado Pago: Largest Argentine fintech, offering consumer credit as part of a broader payments and financial services portfolio. Competes for the same borrowers but with materially lower funding costs and broader product suite.
- Banco Comafi: Argentine commercial bank serving individuals and SMEs with consumer lending products. Comparable as a domestic credit provider, though with a different funding model and broader banking services.
- Naranja X: Major Argentine fintech linked to Naranja (Tarjeta Naranja) providing consumer credit, accounts, and payments. Overlaps with MiCredito on consumer lending but operates at much larger scale with deposit-funded capital.
- Banco Supervielle: Argentine commercial bank with a growing consumer lending portfolio via its 'Supervielle Consumer' fintech arm. Overlaps with MiCredito in personal loans but benefits from deposit funding.
Emerging players
- Lemon Cash: Argentine crypto-fintech expanding into consumer credit and payment products. Partial overlap with MiCredito as an emerging non-bank lender targeting digitally native Argentines.
- Ualá: Argentine fintech with prepaid card and emerging consumer credit offerings targeting underbanked populations. Comparable customer focus, though credit is a smaller and growing piece of its business.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
MiCredito social profiles
Digital presenceMiCredito compliance and trust
Trust signalCompliance1 record
MiCredito financial estimates
Financial estimateRevenue estimate
Valuation estimate
MiCredito leadership team
Management profileNumber of profiles
MiCredito funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MiCredito 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 MiCredito
What does MiCredito do?
MiCredito offers Argentine peso-denominated personal loans to individual consumers, with amounts ranging from ARS 140,000 to ARS 640,000, fixed interest rates, and weekly or bi-weekly installment repayments. The company differentiates itself through a digital application process combined with at-home contract signing visits, and it also provides a complementary zero-interest credit assistance program (Asistencia Crediticia a Tasa 0%) for social and environmental entrepreneurs.
Is MiCredito a public or private company?
MiCredito is a private company. It is classified as unknown and is currently operating.
When was MiCredito founded?
MiCredito was founded in 2016. It employs 101 to 250 people.
Where is MiCredito based?
MiCredito is headquartered in San Isidro, Argentina, in the Latin America region.
How does MiCredito make money?
One revenue line is on record: personal Loan Interest.
Who are MiCredito's main competitors?
Direct peers on record are OK Credit, Wenance, Efectivo Sí and Credicuotas. Broad incumbents are Mercado Pago, Banco Comafi, Naranja X and Banco Supervielle. Emerging players are Lemon Cash and Ualá.
Does MiCredito have an API?
No public API is recorded for MiCredito.
What industry is MiCredito in?
MiCredito's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAOAA, Subprime Installment Loans (Non-Prime Personal Loans). Its NAICS code is 522 and its SIC code is 6141.