Verify who lends
Match the brand, legal entity, domain, registration, and contract. A familiar logo can also be impersonated.
Cost, entity, and risk in one review
The offer shows what you get. Here you see what it costs.
Convert the offer into pesos, match the legal entity to public sources, and spot missing or expired data. No loan forms, paid rankings, or promises of approval.
Visible sources Review dates Missing data flagged
Educational example
You borrow
$5,000 MXN
Estimated total$6,540
An example is not an offer. Your disclosure sheet must show the cost that applies to you.
8products with sources
19linked documents
2free tools
0personal details requested
The offer showsAn amount, an installment, and a promise of speed.
CostoCierto organizesCash received, total repayment, entity, source dates, and warnings.
A verifiable decision
We do not look for “the best app.”
We look for an offer you can verify.
The result is not an opaque score. It is a set of numbers, entities, documents, and limits you can check yourself.
Convert everything to pesos
Write down the cash received, payments, fee, VAT, and total. CAT helps, but the schedule shows your real cash flow.
Test the worst case
Review late fees, collection, advance payments, and permissions. If a due date does not fit your budget, the offer does not either.
Profiles with dates and sources
What is published, what varies,
and what still needs confirmation.
Public data reviewed
Tala
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
- CAT
- Préstamo Tala: average CAT 921%, excluding VAT
Public data reviewed
yotepresto
Crowdfunding for applicants with good credit history, offering larger amounts and longer terms than microloans.
- Amount
- $10,000–$425,000 MXN
- CAT
- Average CAT 26.2%, excluding VAT; calculated Jun 15, 2026
Public data reviewed
kubo.financiero
A digital personal loan with flexible payment frequency and credit-profile-based assessment.
- Amount
- $25,000–$100,000 MXN
- CAT
- Average CAT 78.1%, excluding VAT; calculated Sep 6, 2026
Personalized offer
Mercado Pago
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
- CAT
- Personalized and shown in the offer
Tools
Two minutes
before accepting.
No account required. The tools run in your browser and do not store your numbers.
Calculate the total and each payment.
See principal, interest, fees, and an estimated monthly schedule.
Open calculatorSpot signs of a risky app.
Answer seven questions about advance fees, permissions, channels, and transparency.
Check warning signsCompare without declaring a winner
Same amount. Same term.
Different questions.
Community signals
Real questions,
without exposing anyone.
We summarize themes from public sources and authorities. We do not copy profiles, phone numbers, documents, or identifiable stories.
“The rate looked low, but the total changed”
A recurring concern in public discussions: promotional rates, fees, and VAT get mixed together. Our editorial response is to compare the full disclosure sheet.
“Will they lend to me if I have no credit history?”
The question often overlooks the difference between no history and missed payments. Every profile separates published requirements from actual approval.
“They contacted me on WhatsApp and asked for a deposit”
Authorities warn about impersonation and advance-fee requests. Stop the payment and verify through an independent channel.