How to spot a predatory loan app before installing it
Practical signs of advance-fee fraud, abusive permissions, impersonation, and intimidating collection practices.
Read guideUnderstand the offer
before signing it.
Short guides, public sources, and steps you can repeat without handing over your data.
Safety and cost
Six essential guides
How to check a lender in SIPRES without getting confused
What a registration does prove, what it does not prove, and how to match it to the legal entity in your contract.
Read guideWhat is CAT, and why is it not the same as your total repayment?
Use CAT to compare equivalent offers and the payment schedule to understand what will leave your pocket.
Read guideAsked to pay before a loan is released? What to do
A short protocol to stop the payment, confirm the channel, and preserve evidence.
Read guideWhat to do if you cannot make a loan payment on time
How to organize the debt, contact the creditor, and avoid turning one emergency into several debts.
Read guideHow to protect your data when using a loan app
Permissions, documents, biometrics, and warning signs to review before sending information.
Read guideBy need
Four common scenarios
A $5,000-peso loan: compare the total, not just the installment
A guide for placing two $5,000 MXN offers under the same amount and term.
Open scenario30-day loans: the repayment date matters as much as the rate
Annualized costs can be enormous; check the exact disbursement and total repayment.
Open scenarioLoans with biweekly payments: build the schedule first
Turn the promise of a manageable installment into a complete list of dates and amounts.
Open scenarioLoans with no credit history: what that really means
Having no history is not the same as having missed payments; each lender evaluates different signals.
Open scenario