{"name":"CostoCierto Index","language":"en","scope":"Public information about selected credit products in Mexico. Not a ranking or recommendation.","products":[{"slug":"kueski","name":"Kueski","legalName":"Kueski, S.A.P.I. de C.V., SOFOM, E.N.R.","status":"parcial","summary":"A short-term digital loan. A first offer is usually much smaller than the advertised maximum.","amount":"$200–$26,000 MXN; first application up to $2,000","term":"7–99 days according to the public product sheet reviewed","rate":"Up to 1.3% per day; your offer may be lower","cat":"Revalidation pending: the visible product sheet expired Sep 2, 2026","payment":"SPEI, BBVA cash deposit machine, or OXXO","requirements":["Legal age","Mexican nationality","Valid ID","Bank account in your name"],"usefulFor":"Comparing a small, short-term need only when the full repayment fits your budget.","cautions":["Do not compare the advertised maximum with the limit on a first application.","A daily rate becomes very expensive when annualized.","Confirm CAT, VAT, due date, and total repayment on the disclosure sheet before accepting."],"regulation":"The entity identifies itself as a SOFOM E.N.R. Check its registration and current contract in SIPRES/RECA; registration is not product approval.","officialUrl":"https://www.kueski.com/prestamos-personales","lastChecked":"Sep 7, 2026","lastCheckedISO":"2026-09-07","validUntilISO":"2026-09-02","validityStatus":"expired","sources":[{"label":"Official loan page","url":"https://www.kueski.com/prestamos-personales","observed":"Sep 7, 2026"},{"label":"Maximum amount for a first application","url":"https://preguntas.frecuentes.kueski.com/hc/es/articles/9548050497435--Cu%C3%A1l-es-el-monto-m%C3%A1ximo-que-puedo-solicitar","observed":"Sep 7, 2026"},{"label":"Product features","url":"https://preguntas.frecuentes.kueski.com/hc/es/articles/10724843777563--Cu%C3%A1les-son-las-caracter%C3%ADsticas-del-pr%C3%A9stamo","observed":"Sep 7, 2026"}]},{"slug":"tala","name":"Tala","legalName":"Tala Mobile, S.A.P.I. de C.V., SOFOM, E.N.R.","status":"revisado","summary":"An app-based loan with different conditions for the short-term product and the installment product.","amount":"From $300 MXN; the maximum depends on the offer shown in the app","term":"The installment product sheet states 15–120 days","rate":"Préstamo Tala: 203%–438% fixed annual rate, excluding VAT","cat":"Préstamo Tala: average CAT 921%, excluding VAT","payment":"SPEI, Paynet, or OXXO","requirements":["Legal age","Mexican nationality","Valid INE","Bank account","Application in the app"],"usefulFor":"Reviewing a very short-term offer when you already know the exact repayment date.","cautions":["Tala publishes more than one product; identify which one appears on your disclosure sheet.","The average CAT does not replace the total repayment for your offer.","The installment product publishes disbursement and collection fees."],"regulation":"Tala states that it is registered with CONDUSEF as a SOFOM E.N.R. Verify the entity and your contract's RECA number in the official portals.","officialUrl":"https://talamobile.mx/","lastChecked":"Sep 7, 2026","lastCheckedISO":"2026-09-07","sources":[{"label":"Official Tala Mexico website","url":"https://talamobile.mx/","observed":"Sep 7, 2026"},{"label":"Product fact sheet","url":"https://talamobile.mx/wp-content/uploads/sites/5/2026/01/Fichas-tecnicas-Prestamo-Tala-y-Prestamo-a-Plazos-15-enero-2026.pdf","observed":"Sep 7, 2026"},{"label":"Installment loan contract","url":"https://talamobile.mx/contrato-de-apertura-de-credito-a-plazos/","observed":"Sep 7, 2026"}]},{"slug":"baubap","name":"Baubap","legalName":"Baubap, S.A.P.I. de C.V., SOFOM, E.N.R.","status":"parcial","summary":"A mobile microloan whose conditions change with payment history and the product shown to each user.","amount":"Personalized initial offer; up to $7,000 MXN after 6 on-time loans","term":"Depends on the product; public sources show different terms","rate":"Official example: 0.83% per day for 90 days","cat":"Not found in a legible form on the public page reviewed","payment":"One payment or the plan defined in the applicable contract","requirements":["Legal age","Valid ID","Mobile phone","Bank account","Application assessment"],"usefulFor":"Understanding a small offer when the app already shows every charge in writing.","cautions":["The pages and contracts reviewed describe more than one structure and different terms.","Do not accept until you identify cash received, total repayment, VAT, and the exact due date.","A higher limit depends on previous payments; it is not an initial promise."],"regulation":"Confirm the exact legal entity in your contract through SIPRES/RECA. CostoCierto does not treat registration as a guarantee or recommendation.","officialUrl":"https://www.baubap.com/","lastChecked":"Sep 7, 2026","lastCheckedISO":"2026-09-07","sources":[{"label":"Official website and representative example","url":"https://www.baubap.com/","observed":"Sep 7, 2026"},{"label":"Public contract","url":"https://www.baubap.com/contrato-prestamo","observed":"Sep 7, 2026"},{"label":"Terms and conditions","url":"https://www.baubap.com/terminos-y-condiciones","observed":"Sep 7, 2026"}]},{"slug":"credilikeme","name":"Credilikeme","legalName":"Confianza Digital, S.A.P.I. de C.V., SOFOM, E.N.R.","status":"parcial","summary":"A tiered digital credit line where the amount may rise and the rate may fall based on repayment behavior.","amount":"$1,000–$12,000 MXN depending on the published tier","term":"Public example uses 6 biweekly payments; the offer allows payment choices","rate":"Example: 72% annually; the tier table publishes higher simple rates","cat":"Public example: average CAT 169.5%, excluding VAT","payment":"Biweekly payments or early payoff, depending on the offer","requirements":["Age 20–63","Mexican nationality","Valid ID","Email","Bank account","Previous credit experience"],"usefulFor":"Comparing biweekly payments when you can review the full schedule before accepting.","cautions":["The 72% annual example and the tier table do not describe the same condition.","Ask for the disclosure sheet that applies to your tier and track.","Do not assume you will move up a tier or receive the maximum amount."],"regulation":"The site publishes registration key 693985. Verify that legal entity and your contract in SIPRES/RECA before signing.","officialUrl":"https://credilike.me/prestamos-en-linea/","lastChecked":"Sep 7, 2026","lastCheckedISO":"2026-09-07","sources":[{"label":"Official loan page","url":"https://credilike.me/prestamos-en-linea/","observed":"Sep 7, 2026"},{"label":"Official simulator","url":"https://credilike.me/prestamopersonal/","observed":"Sep 7, 2026"}]},{"slug":"yotepresto","name":"yotepresto","legalName":"Comunidad de Préstamos, S.A. de C.V., I.F.C.","status":"revisado","summary":"Crowdfunding for applicants with good credit history, offering larger amounts and longer terms than microloans.","amount":"$10,000–$425,000 MXN","term":"6–36 months","rate":"8.9%–38.9% fixed annual rate, subject to assessment","cat":"Average CAT 26.2%, excluding VAT; calculated Jun 15, 2026","payment":"Monthly; amortization table provided before contracting","requirements":["Good credit history and score","At least 2 years using bank credit","Verifiable income","Digital documentation"],"usefulFor":"Debt consolidation or a longer-term personal loan for someone who already has good credit history.","cautions":["The 8.9% rate applies to the strongest profiles; it is not universal.","Funding can take time; the page reports an average of 1–5 days.","Check the fee, VAT, and total repayment in your individual proposal."],"regulation":"The company presents itself as an authorized crowdfunding institution. Confirm authorization and the contract through CNBV, SIPRES, and RECA.","officialUrl":"https://www.yotepresto.com/prestamos-personales","lastChecked":"Sep 7, 2026","lastCheckedISO":"2026-09-07","sources":[{"label":"Personal loans and terms","url":"https://www.yotepresto.com/prestamos-personales","observed":"Sep 7, 2026"},{"label":"Official simulator and representative example","url":"https://www.yotepresto.com/prestamos-confiables-en-linea","observed":"Sep 7, 2026"}]},{"slug":"kubo-financiero","name":"kubo.financiero","legalName":"Kubo Financiero, S.A. de C.V., S.F.P.","status":"revisado","summary":"A digital personal loan with flexible payment frequency and credit-profile-based assessment.","amount":"$25,000–$100,000 MXN","term":"Varies by amount and selected payment frequency","rate":"27.50%–102.51% fixed annual rate, excluding VAT","cat":"Average CAT 78.1%, excluding VAT; calculated Sep 6, 2026","payment":"Weekly, every 14 days, biweekly, or monthly","requirements":["Credit assessment","Identification","Flexible income verification","Bank account"],"usefulFor":"Comparing a mid-sized loan with different payment frequencies.","cautions":["The rate depends on your assessment; use your individual result, not the advertised minimum.","Compare alternatives using the same amount and term.","Check that payment frequency matches your income schedule."],"regulation":"The site identifies the entity as a supervised S.F.P. Confirm the entity and current terms through CNBV/CONDUSEF.","officialUrl":"https://www.kubofinanciero.com/prestamos-en-linea","lastChecked":"Sep 7, 2026","lastCheckedISO":"2026-09-07","sources":[{"label":"Official terms","url":"https://www.kubofinanciero.com/prestamos-en-linea/prestamos-confiables-en-linea","observed":"Sep 7, 2026"},{"label":"Official simulator","url":"https://www.kubofinanciero.com/prestamos/simulador-de-prestamos","observed":"Sep 7, 2026"}]},{"slug":"didi-prestamos","name":"DiDi Préstamos","legalName":"DiDi Pay, S.A. de C.V.","status":"revisado","summary":"Revolving credit inside the DiDi ecosystem; every draw has its own terms.","amount":"Contractual minimum $200 MXN; credit line and draw are personalized","term":"Defined for each draw request","rate":"48%–300% variable annual rate","cat":"Informational average CAT 400% plus VAT; calculated Oct 20, 2025","payment":"According to the schedule for each draw","requirements":["Over 18","Valid INE/IFE","Selfie and video","CLABE in your name","Identity and credit-history assessment"],"usefulFor":"Evaluating an offer already visible in the app by reading each draw separately.","cautions":["The available credit line and the amount you draw are not the same.","The fee, rate, CAT, and total change with each draw.","The contract publishes daily late interest; review the impact of missing a payment."],"regulation":"The legal documents identify DiDi Pay and state PROFECO supervision for this product. Confirm the entity named in your contract.","officialUrl":"https://web.didiglobal.com/mx/prestamos/","lastChecked":"Sep 7, 2026","lastCheckedISO":"2026-09-07","sources":[{"label":"Revolving credit agreement","url":"https://web.didiglobal.com/mx/prestamos/contrato-de-credito-revolvente.pdf","observed":"Sep 7, 2026"},{"label":"Official requirements","url":"https://web.didiglobal.com/mx/centro-de-ayuda/cuales-son-los-requisitos-para-solicitar-un-prestamo-de-didi-prestamos/","observed":"Sep 7, 2026"},{"label":"Legal documents","url":"https://web.didiglobal.com/mx/prestamos/legal/","observed":"Sep 7, 2026"}]},{"slug":"mercado-pago","name":"Mercado Pago","legalName":"Mercado Lending, S.A. de C.V.","status":"oferta-personalizada","summary":"A personal loan available only to some accounts; the amount, term, and cost appear inside the app.","amount":"Personalized; no general range can be verified on the public page","term":"Options shown in the app for each eligible account","rate":"Personalized and shown before acceptance","cat":"Personalized and shown in the offer","payment":"Fixed installments according to the offer","requirements":["Mercado Pago account","Enabled offer","Identity verification","Internal assessment"],"usefulFor":"Comparing an offer already shown in your account with other proposals for the same amount and term.","cautions":["Not every account receives an offer.","Without opening your app, the amount, rate, and CAT cannot be confirmed.","Save the disclosure sheet and compare the total repayment before accepting."],"regulation":"The page identifies Mercado Lending as the provider of credit products. Check the legal entity and exact conditions in your offer.","officialUrl":"https://www.mercadopago.com.mx/","lastChecked":"Sep 7, 2026","lastCheckedISO":"2026-09-07","sources":[{"label":"Official Mercado Pago Mexico website","url":"https://www.mercadopago.com.mx/","observed":"Sep 7, 2026"},{"label":"How CAT and terms are displayed","url":"https://www.mercadopago.com.mx/blog/que-es-el-cat-costo-real-prestamo","observed":"Sep 7, 2026"}]}]}