Crediapp (Be Us)

Crediapp is a Mexico City-based fintech company founded in 2017 that operates a digital lending platform specializing in payroll-deductible point-of-sale financing. The company provides a buy now, pay later solution targeted specifically at employees within its registered employer network, enabling them to purchase products from affiliated retailers and repay through automatic payroll deductions. Crediapp positions itself as revolutionizing consumer credit through an interest-free periodic payment model, with weekly, biweekly, and monthly repayment options. The platform utilizes proprietary credit origination and administration technology to assess creditworthiness and manage loan portfolios. Employees can create accounts using their full name, corporate email, phone number, and RFC tax identification number. Once approved, loan repayments are automatically deducted from their salary by their employer, reducing default risk compared to traditional consumer credit products. The company operates mobile applications available on both Android and iOS platforms, providing a fully digital user experience. As a point-of-sale financing provider, Crediapp competes with established buy now, pay later platforms operating in Mexico including Aplazo, Kueski, and international players like Klarna. According to available data, the company remains bootstrapped with no external funding reported as of 2025. Crediapp operates within Mexico's regulated fintech ecosystem, which has seen significant growth with nearly 1,000 fintech ventures nationwide. The payroll lending segment in Mexico has historically demonstrated lower default rates than traditional consumer loans due to the automatic deduction mechanism, though it requires partnerships with employers willing to facilitate these arrangements.