Hey Credito 1.1.1

Hey Crédito specializes in providing quick personal loans of up to $15,000 Mexican pesos. The platform allows users to apply for these loans conveniently and securely without the need for a guarantor. As a financial service provider, Hey Crédito aims to deliver efficient solutions with competitive rates and transparent pricing—free from hidden charges.

Is applying for a loan complex? Absolutely not. The process involves straightforward steps:

• Downloading the application
• Being at least 18 years old, possessing a valid INE credential, and having a bank account registered in your name
• Completing a brief online form

Regarding repayment, clients have two flexible options:

• Making payments via interbank transfer (SPEI) at any time, day or night, with no additional fees
• Using the provided reference number to settle payments at the nearest OXXO store

Loan specifications include:

• Duration: between 90 and 180 days
• Loan amounts ranging from $400 to $150,000 MXN
• Interest rates of 0.01% to 0.09% daily (equivalent to an annual rate of approximately 3.6% to 32.4%)
• Additional commission fees: 5% to 20% of the borrowed amount
• Applicable VAT: 16% on commissions and interest
• Total Cost of Credit (CAT): ranges from 270% to 540%

For example, a $1,000 MXN loan with a 90-day term would accrue approximately $90 MXN in interest, around $145 MXN in commissions, and approximately $36.20 MXN in VAT, leading to a total repayment of about $1,263 MXN. The monthly installment would be approximately $421 MXN. The corresponding CAT percentage is around 343%.

Clients who maintain punctual payments are rewarded with increased borrowing limits—up to $20,000 MXN—and extended repayment terms.

How can you apply? Simply:

• Download the Hey Crédito app from Google Play Store
• Complete your loan application through four quick steps in less than three minutes
• The funds are transferred directly into your bank account via a 16-digit account number or an 18-digit CLABE number

If you do not have a bank account, opening one at Banco Azteca or OXXO is recommended for its simplicity and efficiency.

Your personal information is protected through rigorous validation and data security protocols. Hey Crédito prioritizes maintaining your privacy and will never share your data with third parties without your explicit consent.

If you have questions or need assistance, our customer service team is available:

• Monday through Sunday, from 9:00 a.m. to 6:00 p.m.
• Office address: Av. Paseo de la Reforma 296-PISO 14, Juárez, Cuauhtémoc, Mexico City, ZIP 06600
• Website: https://www.heycredito.com/
• Facebook: www.facebook.com/HeyCredito/
• Email: [email protected]