CrediOk - Calo SRL

What CrediOk - Calo SRL does

CrediOk is an Argentine consumer finance provider operated by CALO S.R.L., offering online personal loans to individuals. The company extends credit in pesos ranging from ARS 10,000 to ARS 1,000,000 over terms of 1 to 12 months, using French amortization with fixed monthly installments and simple (non-compounding) interest. Its core product is a fully self-serve web application (www.crediok.com.ar) where borrowers register, upload identity documents (DNI front/back plus selfie), submit CBU banking details and income documentation, and receive a credit decision and disbursement within 24 hours. Sales agents provide telephone and email-assisted fallback for applicants who cannot complete the digital flow.

The target customers are Argentine workers in formal employment (relación de dependencia, with a minimum three-month tenure and a salary-debit account) and self-employed individuals registered under the monotributo simplified tax regime. There is no mobile app, no published API, no third-party integrations, and no disclosed AI/ML capabilities; credit evaluation appears to be automated but the underwriting model is not described. The company operates under BCRA (Argentina's central bank) oversight, with Silvio Martín named as both Titular and Suplente responsible for the financial user area.

Revenue is generated almost entirely from interest charged on personal loans (transaction-fee economics on credit extended). Loan pricing is credit-risk-tiered, with disclosed TNA rates ranging from 149.33% to 275.50% (sin IVA) on the main product page, while a regulatory disclosure page references a lower TNA of 66%, suggesting either a different product tier or an outdated/inconsistent rate schedule. The company is privately held, founder-/owner-controlled per available sources, with no disclosed institutional funding rounds and only six employees. Marketing is minimal and essentially limited to organic/direct website traffic plus telephone support — there is no active social media presence and no intermediary or retail distribution.

Name

CrediOk - Calo SRL

Legal name

CALO S.R.L.

Website

https://crediok.com.ar

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Short description

CrediOk (CALO S.R.L.) is an Argentine online consumer lender offering personal loans of ARS 10,000-1,000,000 over 1-12 months, targeting formally employed workers and monotributistas through a self-serve web application with 24-hour disbursement.

Ownership category

akta.pro rank

Headquarters

HQ city

Ciudad Autónoma de Buenos Aires

HQ country

Argentina

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Personal Loan Interest: The company generates revenue through interest charged on personal loans extended to consumers. Loans are offered at fixed monthly installments with amortization based on the French system (amortización francés). Interest rates vary by credit profile, with TNA ranging from 149.33% to 275.50% (sin IVA). The company does not compound interest and uses simple interest calculations.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels2 records

Core offering

CrediOk (CALO S.R.L.) is an Argentine digital lender offering personal loans (Préstamos Personales) ranging from ARS 10,000 to ARS 1,000,000 with 1-12 month repayment terms. The fully-online platform lets Argentine workers in formal employment or monotributistas register, upload identity documents, and receive credit decisions and disbursement within 24 hours, with fixed monthly installments using French amortization.

Product overview

CrediOk operates as a single-product personal lending platform offered by Calo SRL. The core offering is an online personal loan product (Préstamos Personales) that provides installment financing to employed Argentine individuals. The company does not operate a multi-module platform but rather a focused lending service with an online application process, credit evaluation, and direct deposit of funds. All related services such as payment reminders, loan renewal, and customer support are integrated components of this single product rather than separate offerings.

Differentiator

Problem solved

Functional benefit

Products and services

• Préstamos Personales CrediOk Personal loan product offering financing from ARS 10,000 to ARS 1,000,000 with repayment terms of 1 to 12 months. Uses French amortization with fixed monthly installments and fixed interest rates, requiring applicants to be formally employed (relación de dependencia) or monotributistas with a bank account where salary is deposited. Available to Argentine residents over 18 with a valid DNI.

Quantifiable outcome

• Loan approval and disbursement within 24 hours of complete application
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• BCRA (Banco Central de la República Argentina)coreOthersRegulatory oversight and compliance partner. CrediOk operates under BCRA regulations for consumer lending and financial data protection. The company must comply with BCRA communication A-2559 and subsequent amendments regarding direct debit (DEBIN) and payment system rules.

Scale indicators1 record

Recent moves4 records

Expansion highlights2 records

Emerging players

• Ualá: Argentine digital financial platform offering personal loans and credit products to underbanked consumers via a mobile app. Comparable to CrediOk in serving salaried workers and monotributistas seeking fast, digital credit, though broader in product scope.
• Personal Pay: Argentine digital financial services platform offering consumer credit products to individuals. Comparable to CrediOk in digital GTM and personal lending to Argentine consumers.
• Wenance: Argentine fintech lender providing online personal loans and consumer credit products. Comparable to CrediOk in digital personal lending focus and Argentine market, with a broader product suite.

Direct peers

• Naranja X: Argentine consumer credit provider offering personal loans and credit lines to individuals through digital channels. Comparable to CrediOk in product type (personal installment credit), target segment (Argentine consumers), and digital origination approach.
• Efectivo Sí: Argentine consumer lending company specializing in personal loans to salaried workers and retirees, with online origination. Directly comparable to CrediOk in borrower profile, loan product design, and Argentina-only geographic focus.
• Mercado Pago (Mercado Crédito): The consumer lending arm of Mercado Libre in Argentina, offering online personal credit to individuals through a fully digital origination flow. Directly comparable to CrediOk in target customer (Argentine consumers), product type (personal installment loans), and digital GTM motion.

Broad incumbents

• Banco Columbia: Small Argentine commercial bank offering personal loans and consumer credit to individuals. Comparable to CrediOk in consumer lending focus and Argentine market, though broader as a regulated depository institution.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/crediok-calo-srl

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 CrediOk - Calo SRL