Credito 365

Credito 365 is a digital lending platform operating in Mexico that provides short-term consumer loans and microloans through a fully online process. The company operates under the legal entity Credito 365 SAPI de CV and is headquartered in Miguel Hidalgo, Mexico City. Founded in May 2023 by Aventus Group, Credito 365 offers rapid access to personal loans ranging from 100 to 20,000 Mexican pesos with loan terms up to 90 days. The platform targets Mexican consumers between 18 and 70 years of age, including students, employees, and unemployed individuals, with minimal documentation requirements. Borrowers can apply through the company's website or mobile application available on Android, receiving approval decisions within minutes and fund disbursement directly to their bank accounts upon contract signing. The company emphasizes financial inclusion by extending credit to individuals with negative credit bureau records. Credito 365 operates under Mexican financial regulations and reports supervision by PROFECO (Federal Consumer Protection Agency) and compliance with CONDUSEF recommendations. The platform utilizes automated credit evaluation systems and implements data encryption protocols for customer information protection. The company also participates in peer-to-peer lending through PeerBerry, where it offers short-term loans backed by buyback guarantees. As of late 2023, the company's loan portfolio exceeded 700,000 euros and employed 18 staff members. Credito 365 charges competitive interest rates with transparent terms disclosed upfront, though maximum annual percentage rates can reach approximately 2,333.95% on certain products. The platform provides 24/7 customer support and flexible repayment options including term extensions.