Prestanómico

Prestanómico is a Mexican financial technology company, founded in 2016 by Guillermo Gómez del Campo, that operates as a digital lending platform. It provides accessible personal loans and debt refinancing options, aiming to offer more affordable credit than traditional banks by leveraging technology to reduce operational costs associated with physical branches.

The company's primary service is offering personal loans ranging from $4,000 to $50,000 MXN, with repayment terms between 6 and 18 months. The entire process is conducted online through its mobile application or website, where applicants can simulate loan conditions and receive an immediate assessment. Prestanómico targets Mexican residents between the ages of 21 and 65 with a positive credit history, proof of income, and a national bank account. The business model focuses on charging interest on the loans provided, with transparent fee structures disclosed upfront. The company emphasizes security, using SSL certificates to encrypt user data and verifying account ownership before disbursing funds.

A key part of Prestanómico's strategy is its Lending-as-a-Service (LaaS) model, providing an embedded finance platform for other companies to offer credit to their customers or employees. A notable partnership is with Uber, allowing drivers and couriers to access financing through the Prestanómico platform, which helps the company with underwriting and collections. This focus on the gig economy and underbanked segments is a core part of its mission to address the scarcity of affordable credit in Mexico.

Keywords: digital lending, personal loans, fintech, Mexico, debt refinancing, Lending-as-a-Service, embedded finance, online credit, financial services, mobile lending, credit access, loan origination, consumer finance, gig economy financing, loan application