Prestamistas, con sus requisitos de verdad
100 entidades con ficha propia: si aceptan ITIN, si piden historial, cuánto prestan, a qué costo y en qué estados.
Cooperativas de crédito (credit unions)
Brooklyn Cooperative Federal Credit Union $500 a $15,000 · hasta 17% APR Comunidad Latina Federal Credit Union hasta $6,000 · 12.99% a 18% APR Embold Credit Union (Oregon) Monto no publicado · desde 13% APR Express Credit Union Monto no publicado · 10.74% a 17.99% APR Fitzsimons Federal Credit Union $200 a $30,000 · desde 11.99% APR GECU (El Paso) Monto no publicado · desde 8.9% APR Great Lakes Credit Union $500 a $15,000 · desde 12.99% APR JetStream Federal Credit Union $600 a $20,000 · desde 9.99% APR Latino Community Credit Union (LCCU) $500 a $20,000 · 6% a 18% APR Lower East Side People's Federal Credit Union $500 a $20,000 · desde 10.24% APR MariSol Federal Credit Union $500 a $30,000 · 10.5% a 17.5% APR MERCO Credit Union Monto no publicado · desde 10.29% APR Mutual Security Credit Union (CT) hasta $25,000 · 9.99% a 12.99% APR Navy Federal Credit Union $250 a $50,000 · 8.74% a 18% APR Neighborhood Trust Federal Credit Union $500 a $10,000 · 8% a 18% APR PenFed Credit Union $600 a $50,000 · 6.09% a 17.99% APR Princeton Federal Credit Union $500 a $60,000 · desde 9.75% APR Resource One Credit Union Monto no publicado · 8.99% a 18% APR River City Federal Credit Union desde $400 · desde 8.99% APR Santa Cruz Community Credit Union hasta $25,000 · 9.99% a 16.99% APR Security Service Federal Credit Union $500 a $50,000 · 7.99% a 17.95% APR Star of Texas Credit Union (Austin) $1,000 a $5,000 · desde 11.9% APR Suncoast Credit Union hasta $20,000 · APR no publicado USC Credit Union $200 a $25,000 · desde 11.74% APR
Prestamistas comunitarios (CDFI)
Accion Opportunity Fund (AOF) $5,000 a $250,000 · 9.99% a 28.99% APR Allies for Community Business (A4CB) $500 a $500,000 · 12.1% a 19.9% APR Ascendus $500 a $100,000 · 7.75% a 15.99% APR Capital Good Fund $300 a $20,000 · 15.99% a 18% APR DreamSpring $1,000 a $250,000 · 7% a 18.99% APR Entrepreneur Fund $1,000 a $750,000 · APR no publicado Guadalupe Credit Union (Santa Fe, NM) hasta $15,000 · 11.49% a 20.49% APR Justine PETERSEN $500 a $500,000 · 6% a 20% APR Latino Economic Development Center (LEDC) $500 a $250,000 · desde 4.5% APR Lendistry $10,000 a $5,000,000 · 7.75% a 15.5% APR LiftFund $500 a $10,000,000 · 0% a 17.5% APR Pacific Community Ventures (PCV) $10,000 a $500,000 · 3% a 8.75% APR Prestamos CDFI (Chicanos Por La Causa) $2,500 a $1,000,000 · desde 6.5% APR Self-Help Federal Credit Union Monto no publicado · 12.5% a 16% APR
Organizaciones sin fines de lucro
Grameen America $500 a $2,500 · 15% a 18% APR Kiva U.S. $1,000 a $15,000 · 0% a 0% APR Mission Asset Fund (Lending Circles) $300 a $2,400 · 0% a 0% APR SBA 7(a) Community Advantage (CA SBLC) $30,000 a $350,000 · APR no publicado SBA Microloan (programa federal vía intermediarios) hasta $50,000 · 8% a 13% APR
Bancos
Banco Popular de Puerto Rico $2,000 a $75,000 · 6.49% a 29.99% APR Capital One Platinum Secured $200 a $1,000 · 28.99% a 28.99% APR Citi Personal Loans $2,000 a $30,000 · 10.24% a 18.49% APR Credit Strong (Austin Capital Bank) $1,000 a $25,000 · 0% a 15.61% APR Discover it Secured $200 a $3,000 · APR no publicado Discover Personal Loans $2,500 a $40,000 · 6.99% a 24.99% APR IBC Bank (International Bank of Commerce) desde $2,500 · APR no publicado LendingClub (ahora Happen Bank) $1,000 a $75,000 · 5.96% a 35.96% APR LightStream (de Truist) $5,000 a $100,000 · 9.99% a 25.44% APR PNC Bank (préstamo personal sin garantía) $5,000 a $35,000 · 6.99% a 25.29% APR Popular Bank (NY, NJ y sur de Florida) $1,000 a $30,000 · APR no publicado SoFi $5,000 a $100,000 · 6.99% a 35.49% APR TD Bank (TD Fit Loan) $2,000 a $50,000 · 7.99% a 23.99% APR Varo Believe Card (Varo Bank) hasta $10,000 · 0% a 0% APR Wells Fargo Personal Loans $3,000 a $100,000 · 6.74% a 26.74% APR
Fintech
1st Franklin Financial hasta $15,000 · APR no publicado Achieve (Achieve Personal Loans) $5,000 a $50,000 · 6.25% a 35.99% APR Avant $2,000 a $35,000 · 9.95% a 35.99% APR Best Egg $2,000 a $50,000 · 6.99% a 35.99% APR Bluevine $5,000 a $250,000 · 14% a 95% APR Chime Card (antes Chime Credit Builder) Monto no publicado · 0% a 0% APR Extra (tarjeta de débito que construye crédito) Monto no publicado · 0% a 0% APR Fundbox $100 a $250,000 · 36% a 99% APR Fundera by NerdWallet (marketplace) $5,000 a $5,000,000 · APR no publicado Grow Credit $204 a $1,800 · 0% a 0% APR Grupo Estrella (Estrella Cash) $300 a $5,000 · APR no publicado Happy Money $5,000 a $50,000 · 8.95% a 35.99% APR Heights Finance (Covington Credit, Quick Credit, Southern Finance) hasta $10,000 · APR no publicado Kikoff $750 a $3,500 · 0% a 0% APR Kiwi Crédito $150 a $3,000 · APR no publicado LendingPoint $1,000 a $36,500 · 7.99% a 35.99% APR Lendmark Financial Services $2,000 a $8,000 · hasta 35.99% APR Mariner Finance $1,000 a $25,000 · 15.99% a 35.99% APR Mission Lane (tarjetas Visa) hasta $3,000 · 19.99% a 33.99% APR NetCredit $1,000 a $10,000 · 34% a 99.99% APR OnDeck $5,000 a $400,000 · 35% a 99% APR OneMain Financial $1,500 a $30,000 · 11.99% a 35.99% APR Oportun $300 a $10,000 · 31.95% a 35.95% APR Petal (cerrado) / Tilt Visa (reemplazo) Monto no publicado · 29.24% a 34.24% APR Prosper $2,000 a $50,000 · 8.99% a 35.99% APR Regional Finance (Regional Management Corp.) $600 a $45,000 · APR no publicado Reprise Financial $2,500 a $35,000 · 9.5% a 36% APR Republic Finance hasta $25,000 · hasta 35.99% APR Self (Self Financial) $600 a $3,600 · 15.51% a 15.92% APR Tower Loan hasta $20,000 · APR no publicado Universal Credit (Upgrade) $1,000 a $50,000 · 11.69% a 35.99% APR Upgrade $1,000 a $50,000 · 7.74% a 35.99% APR Upstart $1,000 a $75,000 · 6.3% a 35.99% APR
Apps
Albert (Instant) $25 a $1,000 · APR no publicado Brigit (Instant Cash) $25 a $500 · APR no publicado Brigit Credit Builder $600 a $600 · 0% a 0% APR Cleo $20 a $250 · APR no publicado Dave (ExtraCash) $25 a $500 · APR no publicado EarnIn (Cash Out) hasta $1,000 · APR no publicado Klover $25 a $750 · APR no publicado MoneyLion Instacash $10 a $1,000 · APR no publicado Tilt (antes Empower) Cash Advance $10 a $500 · APR no publicado
Bancos que hoy no dan préstamo personal
Mucha gente los busca. En cada ficha te contamos qué ofrecen y qué alternativas sí prestan.
Prestamistas que no recomendamos (25)
Préstamos de día de pago, sobre título, APR mayor a 100 % o entidades que ya no prestan. Los listamos para que sepas qué evitar.
ACE Cash ExpressVer por quéAdvance AmericaVer por quéCamino Financial (ya no presta; hoy Quantum Lending Solutions)Ver por quéCash StoreVer por quéCashNetUSAVer por quéCheck 'n GoVer por quéCheck Into CashVer por quéCooperative Center FCU (ahora Nuvision Credit Union)Ver por quéCréditos Panda ('Prestamos Panda')Ver por quéFig LoansVer por quéLoanMax Title LoansVer por quéOppLoans (OppFi)Ver por quéPersonal Finance Company (PFC), hoy Mariner FinanceVer por quéPossible FinanceVer por quéPrestamos Del Rey (PDR Loans)Ver por quéScratchpay (Scratch Financial)Ver por quéSecurity FinanceVer por quéSpeedy CashVer por quéStilt (adquirido por J.G. Wentworth)Ver por quéSun Loan CompanyVer por quéTexan Credit CorporationVer por quéTitleMaxVer por quéTomoCredit (TomoBoost)Ver por quéWestern Shamrock Finance (Western Finance)Ver por quéWorld Finance (World Acceptance Corporation)Ver por qué