Préstamo Ya provides a no-credit-check loan comparison service for the Mexican market. According to its page content, the platform compares 16 "no-credit-check" loan apps, with amounts from 500 pesos up to a maximum of 30,000 pesos, and states that some apps can disburse funds the same day. The page shows that of the 16, only 6 are registered with SIPRES/CNBV (including Kueski, Moneyman, Tala, Baubap, Vivus, and Credilikeme), while the rest do not appear in SIPRES or are intermediaries. The platform sorts the options by registration status and labels the status of each app.
Main capabilities and information display: The page lists corresponding options by loan amount range (500, 1,000, 1,500, 2,000, 3,000, 5,000 pesos), provides information such as each app's maximum credit limit, term range, whether proof of income is required, whether it reports to credit bureaus, and includes cost examples. The platform emphasizes that loan costs are high, with CAT (total annual cost) ranging from three digits to four digits; for example, Baubap advertises 1,355.2%, and Kueski is 4,228%.
How to use: Users can fill out one application, and the platform sends it to lenders that may approve it; the lenders will contact the user by phone, SMS, WhatsApp, or email. The platform states that comparison is free and without obligation, that loans are issued by the lenders, and that the platform does not lend directly. The page recommends that if you want same-day disbursement, you should submit your application before 16:00 on a business day, and have a valid INE, CURP, and a CLABE in your own name ready.
Use cases: It is suitable for Mexican users who have a negative credit history, are excluded from the traditional financial system, or are applying for formal credit for the first time, to deal with urgent, small-sum funding needs. The platform also provides guidance on how to verify whether a lender is registered with CONDUSEF's SIPRES, how to identify fraudulent apps, and how to build a credit history by making payments on time.
Limitations and cautions: The platform clearly states that most formal lenders will report repayment behavior to credit bureaus even if they do not check credit. The page warns that any app that asks for advance payment of a "processing fee," "insurance," or "verification fee" is fraudulent; legitimate apps do not charge before disbursing funds. In addition, the platform states that "no credit check" may mean that credit history is not used as a rejection criterion, but identity and income verification will still be carried out. Regarding the platform's own fee standards, the specific list of partner lenders, the specific criteria for application review, and other features beyond those described on the page, the materials do not currently provide them.
