What Ceibo Créditos does

Ceibo Créditos S.A.U. is an Argentine non-financial credit provider (Proveedor No Financiero de Crédito) regulated by the BCRA, specializing in fixed-rate personal loans denominated in Argentine pesos and operated under the French amortization system with 3–36 month terms. The company originates credit through a national network of affiliated physical merchants — appliance stores, motorcycle and vehicle dealers, and construction material suppliers — covering all 24 Argentine provinces, and has extended its offering into e-commerce via a Buy Now Pay Later (BNPL) product that finances purchases directly at affiliated online checkouts without requiring a credit card. Pricing carries very high disclosed yields (TNA 62.61%–174.00%, TEA up to 408.50%, CFT up to 597.17%), reflecting local consumer credit conditions and borrower risk profiles. The lending operation is supported by Ceibo Manager, a merchant-facing credit management platform that handles instant qualification, documentation upload, real-time offer selection, and settlement within 72 hours via bank transfer, e-check, or check, alongside Calificador Flex, a free pre-qualification tool for affiliated merchants.

Ceibo generates revenue primarily through interest on personal loans and BNPL financing, supplemented by merchant network activity — all classified as transaction-fee economics. The company operates a multi-channel go-to-market combining POS merchant origination, e-commerce BNPL, a self-service digital portal (autogestión) for existing borrowers, and a sales-led acquisition motion where commercial representatives contact prospects within 48 hours of form submission via phone and WhatsApp. Ceibo Créditos has been integrated into the Ualá financial ecosystem, enabling borrowers to repay through the Ualá super-app, and runs the Beneficios Ualá | Ceibo loyalty platform offering discounts at over 10,000 merchants and point-based cash redemption at major Argentine retailers. The company complies with Argentine Personal Data Protection Law 25.326 and maintains BCRA user-protection disclosures on its website.

The company's customer base is structurally distributed across long-tail individual consumers (employees, self-employed, monotributistas, retirees) and a broad SMB merchant network, with flagship OEM rate partnerships including Plan HONDA (2019-2020), Plan Gilera (2021+), and an alliance with Grupo Marquez (2021). Ceibo Créditos S.A.U. is headquartered at Av. Coronel Marcelino E. Freyre 3650, piso 1, Of. 105, CABA, Argentina, operates under CUIT 30-71497263-0, and is a wholly-owned subsidiary within the Ualá ecosystem — no external venture, private equity, or public ownership information was disclosed in the available sources.

Name

Ceibo Créditos

Legal name

Ceibo Créditos S.A.U.

Website

https://ceibocreditos.com.ar

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Ceibo Créditos is a BCRA-regulated Argentine non-financial credit provider offering fixed-rate personal loans and BNPL through a nationwide network of affiliated merchants across all 24 provinces, operating within the Ualá financial ecosystem.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Nondepository Credit Intermediation (5222), Sales Financing (522220), Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Consumer P2P Personal Loans (Unsecured) (FSAKAHAA)

Keywords

• Consumer lending
• Personal loans
• Buy now pay later
• Point of sale financing
• Merchant credit platform

Headquarters

HQ city

Belgrano

HQ country

Argentina

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Personal Loan Interest: Interest income from personal loans granted to consumers for purchasing goods (appliances, motorcycles, bicycles, vehicles) through affiliated merchants. Loans are at fixed rates in Argentine pesos under French amortization system with monthly installments.
2. BNPL Financing: Buy Now Pay Later financing at e-commerce partners. The company acts as the lender, earning interest on installment payments for consumer purchases.
3. Merchant Network Fees: Revenue generated from the network of affiliated merchants who use Ceibo's credit platform to offer financing to their customers.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

Ceibo Créditos S.A.U. is an Argentine non-financial credit provider (PNFC) that grants fixed-rate personal loans in Argentine pesos to consumers through a network of affiliated merchants and BNPL at e-commerce partners, with terms of 3 to 36 months under the French amortization system. The company supports merchants with the Ceibo Manager platform for instant credit qualification, documentation, tracking and 72-hour settlement. It operates within the Ualá financial ecosystem, enabling customers to repay loans via the Ualá app.

Product overview

Ualá | Ceibo Créditos operates a digital lending platform that offers personal loans and financial solutions through a dual-channel model: point-of-sale (POS) loans at physical retail locations and BNPL (Buy Now Pay Later) financing at e-commerce partners. The product portfolio centers on the core lending products (personal loans for consumer goods, vehicles, and BNPL), supported by the Ceibo Manager platform for merchant credit management and operations. Additional modules include Calificador Flex for instant merchant credit qualification, the Beneficios Ualá-Ceibo loyalty and discount platform, and a Partnership program for joint promotional activities with merchants. The company functions as a non-financial credit provider under Ualá's ecosystem.

Differentiator

Problem solved

Functional benefit

Brands

• Ceibo Manager: A credit management system that facilitates sales, document upload and tracking of all granted loans. Includes instant qualification, offer selection, monitoring, responsive design for mobile use, real-time corrections, and settlements within 72 hours.
• Ceibo Flex
• BNPL (Buy Now Pay Later)
• Beneficios Ualá | Ceibo

Products and services

• Préstamos Personales (Punto de Venta) Fixed-rate personal loans in Argentine pesos granted to consumers at the point of sale through the affiliated merchant network for purchasing consumer goods (motorcycles, bicycles, appliances, construction materials) and vehicle financing (new and used cars, motorcycles). Terms of 3 to 36 months under the French amortization system with monthly installments.
• BNPL (Buy Now Pay Later) Buy Now Pay Later financing that allows consumers to purchase at affiliated e-commerce stores and pay in installments without needing a credit card. The loan amount is paid directly to the merchant rather than disbursed to the customer.
• Ualá - Ceibo Manager Credit management system for affiliated merchants that facilitates sales, documentation upload, and loan tracking. Includes instant credit qualification, offer selection, request status monitoring, responsive mobile access, real-time corrections, and settlement via bank transfer, e-check or check within 72 hours.

Quantifiable outcome

• Loan settlement within 72 hours via bank transfer, e-check or check
• +2 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered flagship and core.

• Grupo MarquezflagshipGTM or Marketing Partner · 1 January 2021Alianza Grupo Marquez - Special financing plans with exclusive benefits for their dealer network. Partnership established in 2021.
• Gilera (Motorcycle Dealers)flagshipGTM or Marketing Partner · 1 January 2021Plan Gilera - Preferential interest rates for Gilera motorcycles with exclusive benefits for affiliated dealers. Partnership active from 2021 onwards.
• Honda (Exclusive Dealers)flagshipGTM or Marketing Partner · 1 January 2019Plan HONDA - Special preferential financing rates for Honda exclusive motorcycle dealers. Covers years 2019 and 2020 with discounted rates for qualifying dealers.
• UalácoreStrategic or Co-development PartnerCeibo Créditos merged into the Ualá financial ecosystem, enabling customers to pay loans through the Ualá app and expanding service reach. Both companies maintain their own conditions while benefiting from cross-platform integration.

Scale indicators3 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• Naranja X: Argentine consumer credit card and digital wallet operator offering personal loans and installment financing at merchants. Overlaps with Ceibo on consumer credit and merchant installment offerings.
• MODO: Argentine bank consortium-backed wallet offering consumer credit and installment features at merchant checkout. Competes for similar POS/e-commerce financing mindshare against Ceibo.
• Mercado Pago: Leading Argentine fintech super-app with consumer credit, installments at checkout, and POS financing. Competes with Ceibo on consumer loans and merchant credit, with much broader wallet and payment-rails distribution.
• Rebanking (Banco Comafi / Comafi Digital): Argentine digital bank offering personal loans and merchant financing. Comparable consumer credit and POS loan product, with broader deposit-funded banking balance sheet.

Direct peers

• Personal Pay: Argentine fintech providing digital consumer credit and installment financing through app and merchant channels. Comparable product set (personal loans, merchant financing) targeting similar underbanked consumers.
• Wenance: Argentine consumer lender offering personal loans and BNPL-style financing through digital channels and merchant partnerships. Similar target customer (underbanked Argentine consumers) and similar POS/e-commerce distribution model.
• Credicuotas: Argentine consumer fintech offering personal loans and BNPL through merchant and e-commerce channels. Closely comparable to Ceibo's POS and BNPL model in the same underbanked Argentine consumer segment.
• Ualá: Parent fintech ecosystem and Argentina's leading neobank; offers cards, payments, and increasingly consumer credit products. Ceibo operates as Ualá's lending arm, making Ualá the most directly comparable platform peer.

Emerging players

• Kueski: Mexican BNPL and online consumer lender; serves similar underbanked consumer use cases at POS and e-commerce. Comparable product architecture and credit-decisioning model, though operating in a different Latin American market.
• Addi: LatAm BNPL player with operations in Brazil and Colombia and adjacent interest in Argentina. Comparable BNPL product positioning to Ceibo's BNPL offering at e-commerce merchants.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/ceibocreditos
• LinkedInlinkedin.com/company/ceibocreditos

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Ceibo Créditos