PrestaFácil

What PrestaFácil does

PrestaFácil (legal entity Acciones Integradas, S.A. de C.V.) is a private Salvadoran consumer finance company founded in November 2008 and headquartered in Colonia San Benito, San Salvador. It originates unsecured personal credit to salaried employees and pensioners aged 21-65 across El Salvador, distributing two core products: Crédito Personal con OID (deducted via payroll order of discount) and Crédito Personal con Pago en Ventanilla (paid at designated windows). Loan terms range from 12 to 120 months, interest rates start at 12.00% nominal annually, and minimum disbursements are $2,226, with minimum monthly income requirements differentiated by payment modality.

The company's technology stack is a conventional digital lending platform: a web-based origination portal, iOS and Android applications that include a loan calculator, account statement access, and digital payment-receipt submission, complemented by a WhatsApp sales line (7200-9000) and a kiosk in Metrocentro Santa Ana. The firm reports 1,800+ active clients, holds a BBB- risk classification from Pacific Credit Rating, and operates under the supervision of the Superintendencia de Obligaciones Mercantiles.

Commercially, PrestaFácil generates revenue through interest income on its personal loan book, supported by referral-driven origination (Refiere y Gana) and periodic promotional campaigns. Following its February 2023 acquisition by Grupo Panacredit — the Panamanian financial group's first expansion outside Panama — the company has added institutional resources while continuing to be led by President Guido J. Martinelli. It employs 11-50 staff and markets nationwide coverage across El Salvador's 14 departments, though physical presence remains concentrated in San Salvador and Santa Ana.

Name

PrestaFácil

Legal name

Acciones Integradas, S.A. de C.V.

Website

https://prestafaciles.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

PrestaFácil is a Salvadoran private consumer finance firm originating unsecured personal loans to salaried employees and pensioners across El Salvador, distributed through two payment variants (OID payroll deduction and Ventanilla) at interest rates from 12.00% nominal annually.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Credit Intermediation and Related Activities (522), Other Nondepository Credit Intermediation (52229)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Subprime Installment Loans (Non-Prime Personal Loans) (FSAKAOAA)

akta.pro secondary industry

Salary-Backed / Payroll-Deducted Secured Loans (FSAKALAI)

Keywords

• Consumer lending services
• Personal credit products
• Payroll deduction loans
• Salaried employee financing
• Pensioner loan services

Headquarters

HQ city

San Benito

HQ country

El Salvador

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Personal Loan Interest: PrestaFácil generates revenue primarily through interest charged on personal loans. Loans are offered with payment via ventanilla (cash payment) or OID (order of discount/payroll deduction). Interest rates start from 12.00% nominal annual rate, with loan terms ranging from 12 to 120 months. Minimum disbursed amounts start from $2,226.00.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

PrestaFácil grants personal credit to salaried employees and pensioners in El Salvador, aged 21-65, through two product variants: Crédito Personal con OID (order of discount / payroll deduction) and Crédito Personal con Pago en Ventanilla (cash payment at branches). Loans start at $2,226 minimum disbursement with terms of 12 to 120 months and annual nominal interest rates from 12.00%, with no guarantees or co-signer required. The company distributes credit through a San Salvador headquarters, a Metrocentro Santa Ana kiosk, a website, a WhatsApp sales channel, and a mobile application.

Product overview

PrestaFácil is a consumer lending platform offering personal loans to salaried employees and pensioners in El Salvador. The core product portfolio consists of two personal credit variants: Crédito Personal con OID (with salary deduction/order of discount payment) and Crédito Personal con Pago en Ventanilla (with window/branch payment). These are complemented by a mobile application for loan management and a referral program (Refiere y Gana). The company also runs periodic promotional campaigns. PrestaFácil operates under the supervision of the Superintendencia de Obligaciones Mercantiles and maintains a BBB- credit rating from Pacific Credit Rating.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédito Personal con OID (Personal Credit with Order of Discount) Personal credit product where monthly payments are deducted directly from the borrower's salary via an Order of Discount (OID). Directed at salaried employees aged 21-65; merchants and micro-entrepreneurs are not eligible. No credit record requirement; eligibility verified through AFP (pension fund administrator) history. Loan terms 12-120 months, annual nominal interest rates from 12.00%, minimum disbursement from $2,226.
• Crédito Personal con Pago en Ventanilla (Personal Credit with Branch Payment) Personal credit product where the borrower makes monthly payments at designated payment centers (ventanilla). Directed at salaried employees and pensioners aged 21-65. Includes debt insurance coverage, loan terms from 12 to 120 months, and annual nominal interest rates starting at 12.00%. Minimum monthly income requirement: $817.60 for ventanilla; $500 for OID. Minimum disbursement from $2,226.

Quantifiable outcome

• 16 years operating in El Salvador market
• +4 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered minor.

• GMC International Business SchoolminorImplementation/ SI/ Consulting PartnerGMC International Business School provided specialized sales training to PrestaFácil's sales force, focusing on objection handling with confidence and empathy, and advanced closing techniques. The training aimed to strengthen key skills for commercial success and improve customer service quality.
• Pacific Credit Rating (PCR)minorOthersPacific Credit Rating is a credit rating agency that assigned PrestaFácil the BBB- rating and assigned Panacredit in El Salvador the svAA rating with stable outlook. These ratings validate the company's financial stability and responsible risk management practices.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• CrediQ: Central American consumer-finance fintech offering installment credit through digital channels to salaried employees; comparable business model targeting similar customers but with a tech-first delivery approach.
• Chivo Wallet: Salvadoran government-backed digital wallet offering basic credit and payment services; an emerging fintech competitor for unbanked and underbanked consumers who form PrestaFácil's customer base.
• Tigo Money El Salvador: Mobile money and digital wallet service offering small credit advances to underbanked Salvadorans; overlaps with PrestaFácil in serving subprime/salaried customers but through digital channels rather than installment lending.

Broad incumbents

• Banco CUSCATLAN: One of El Salvador's largest incumbent banks offering consumer loans to salaried employees and pensioners; competes with PrestaFácil for the same payroll-deduction customer base but as part of a full-service bank.
• Banco Agrícola: Dominant Salvadoran commercial bank with a large consumer-credit portfolio targeting salaried employees; comparable customer segment but materially broader product set and balance sheet.
• Scotiabank El Salvador: International bank with El Salvador retail operations offering personal loans to salaried consumers; competes in the same payroll-deduction personal-credit niche from a much larger balance-sheet base.
• Davivienda El Salvador: Salvadoran subsidiary of the regional bank offering consumer loans and payroll-deduction credits; comparable target customer but with full-banking infrastructure and lower funding costs.
• BAC Credomatic El Salvador: Central American regional bank operating in El Salvador with personal loan and payroll-deduction products; overlaps with PrestaFácil's salaried-employee segment through a broader retail-banking offering.
• Banco Promerica El Salvador: Regional Central American bank with consumer lending products in El Salvador targeting salaried employees; offers similar credit products but as part of a broader commercial-banking franchise.

Direct peers

• Panacredit (Grupo Panacredit): Panamanian parent and direct operator of the same personal-credit-installation-loan model for salaried consumers; PrestaFácil is its El Salvador subsidiary, so Panacredit is the closest functional and product peer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/prestafaciles
• LinkedInlinkedin.com/company/prestafaciles

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PrestaFácil