Yevo app

What Yevo app does

Yevo, operated by Prestatec Sociedad Anónima, is a Guatemalan digital credit platform purpose-built for cell-phone installment financing. The company's functional role is to underwrite and originate short-tenure consumer credit for handset purchases aimed at underbanked Guatemalan consumers who lack easy access to traditional bank credit. To qualify, an applicant needs a valid DPI (Guatemalan national ID) and an active SIM chip, lowering the barrier to entry relative to conventional bank-based lending.

The core product is the Yevo mobile app, paired with a website and a network of physical Yevo Points. The platform runs automated credit decisions anchored on Trans Union Guatemala S.A. bureau data and augments underwriting with device-permission signals (location, contacts, sensors) for fraud prevention. There is a single consumer product surface and no disclosed product tiers or adjacent modules — the app and point-of-sale network together constitute the full offering. B2B activity is limited to a Comercios (retailer) channel that enables third-party merchants to originate Yevo-financed handset sales.

The business model is freemium at the consumer front (free app download and use) and revenue-generating at the credit layer, where interest and fees on the separate Prestatec financing agreements are the primary monetization mechanism. Distribution is hybrid: physical Yevo Points handle in-person applications, identity verification, and device delivery, while digital marketing on TikTok, Instagram, and Facebook drives top-of-funnel demand. Customer segments are Guatemalan underbanked consumers — including migrants — and a secondary B2B channel of independent phone retailers; the operation is Guatemala-only with an ~11-employee headcount.

Name

Yevo app

Legal name

Prestatec Sociedad Anónima

Website

https://yevoapp.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Yevo is a Guatemalan digital credit platform, operated by Prestatec Sociedad Anónima, that provides installment financing for cell-phone purchases to underbanked Guatemalan consumers through a mobile app, a website, and a network of physical Yevo Points, with supporting credit-bureau integrations.

Ownership category

akta.pro rank

Product category

Consumer Lending

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

In-Store / In-Person BNPL (POS) (FSAKACAB)

akta.pro secondary industries

Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA), Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG)

Keywords

• Consumer lending
• Mobile phone financing
• Installment credit
• Digital credit platform
• Fintech lending

Headquarters

HQ city

Not specified

HQ country

Guatemala

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit/Financing Services: Yevo generates revenue by providing digital credit for cell phone purchases. Users pay for financing through installments as documented in separate credit agreements. The app itself is free to use for both Commerce (retailers) and end users.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Yevo is a digital credit platform operated by Prestatec Sociedad Anónima that enables Guatemalan consumers to purchase cell phones on installment plans. Customers visit a physical Yevo point, present a valid DPI (Guatemalan national ID) and an active SIM chip, pay an initial installment, and receive a cell phone immediately upon credit approval. The mobile app and website supplement the in-person credit application and account management process.

Product overview

Yevo is a single-product digital credit service operated by PRESTATEC SOCIEDAD ANÓNIMA, a Guatemalan fintech company. The offering consists of the Yevo mobile application and associated point-of-sale network, which provides installment financing specifically for cell phone purchases. Users visit a Yevo physical point, present valid DPI and an active SIM card, pay an initial quota, and receive their phone immediately. There are no separate modules, add-ons, or distinct product tiers described — the product is the Yevo app and the associated credit-underwriting and installment-collection service.

Differentiator

Problem solved

Functional benefit

Products and services

• Yevo Digital Cell Phone Financing Digital credit application that enables Guatemalan consumers to purchase cell phones in installments through a network of physical Yevo points. Users qualify using only a valid DPI (national identity document) and an active SIM card, pay an initial installment, and receive their phone immediately. The service is delivered through a mobile app and website supporting the in-person point-of-sale process.

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Trans Union Guatemala S.A.coreTechnology or IntegrationTrans Union Guatemala S.A. is a credit bureau that provides credit information services. Yevo (PRESTATEC SOCIEDAD ANÓNIMA) uses Trans Union to check creditworthiness of users, consult credit behavior, and verify if users are eligible for credit. Users explicitly authorize Yevo to share their personal and sensitive data with Trans Union Guatemala S.A. for credit verification and analysis purposes.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• Z1: Brazilian teen-banking and credit app offering consumer accounts and installment features to young, underbanked users. Comparable as a younger-generation, mobile-first credit product in LatAm.

Direct peers

• Provu: Brazilian BNPL fintech offering installment credit at checkout. Comparable on thin-file underwriting, POS integration, and serving consumers historically excluded from traditional credit.
• Kueski: Mexico's leading online BNPL/consumer-credit fintech offering installment loans for online and in-store purchases. Closest functional analog to Yevo in terms of thin-file consumer underwriting and POS BNPL flows in Latin America.
• Aplazo: Mexico-based BNPL fintech focused on point-of-sale installment financing for merchants and consumers. Highly comparable on merchant-integrated POS credit mechanics.
• Nelo: Mexico-based digital credit provider offering credit lines and installment financing at checkout. Comparable to Yevo on instant credit decisions, mobile-first onboarding, and merchant-integrated BNPL use cases.
• Addi: BNPL platform operating across Colombia and Brazil that enables installment payments online and in-store. Direct comparable on the BNPL-platform business model serving underbanked consumers in LatAm.

Broad incumbents

• Mercado Pago: Large LatAm digital payments and credit platform from Mercado Libre offering BNPL/credit across multiple countries. Broader incumbent with overlapping consumer-credit capabilities but vastly larger scale.

Regional players

• Tigo Guatemala: Major Guatemalan mobile operator with mobile-money and handset-financing offerings. Comparable as a potential competitor on cell-phone financing within Yevo's home market.
• Claro Guatemala: Guatemalan telecom carrier with device-financing programs. Relevant as an in-country competitor for Yevo's cell-phone installment business.

Others

• Trans Union Guatemala: Guatemalan credit bureau that is already Yevo's core underwriting partner. Adjacent ecosystem participant providing the bureau data that powers Yevo's credit decisions.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/yevoguatemala
• Instagraminstagram.com/yevoguate
• TikToktiktok.com/@yevoguate
• LinkedInlinkedin.com/company/yevoapp

Revenue estimate

Valuation estimate

Number of profiles

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 Yevo app