time to yes

TimeToYes is a personal credit marketplace platform operated by Apptividad México, S.A.P.I. de C.V., based in Cuauhtémoc, Ciudad de Mexico. The company functions as a credit search engine that aggregates multiple financial institutions and their lending products on a single platform, enabling consumers to compare and access personal loan options from various lenders. TimeToYes groups several financial institutions with diverse personal credit products and complementary risk appetites to offer consumers a higher approval rate and enhanced customer experience. The platform does not directly provide loans; instead, its financial partners are the entities that actually disburse the credit. The company markets itself with the tagline emphasizing consumer choice in financing options and positions itself as a loan finder that helps users obtain personal credit more efficiently. TimeToYes operates as part of Apptividad's broader fintech ecosystem, which includes onboarding solutions for financial institutions that reduce customer acquisition processes to under five minutes through self-service technology. Apptividad also provides alternative credit scoring based on behavioral and mobile data, enabling financial institutions to evaluate non-traditional customer segments. The parent company, Apptividad, operates across multiple Latin American countries including Mexico, Costa Rica, Panama, and Colombia, and serves financial institutions in over 10 countries with technologies including biometrics, robotics, automation, and artificial intelligence for sales and customer satisfaction improvement.