Loans for retirees: who can access $50,000,000 in January

Retirees and pensioners can access personal loans of up to $50,000,000 in January 2026, according to a survey by TN. The credit lines are designed to cover expenses, make major purchases, or deal with unforeseen events.

The main current options correspond to Banco Provincia, Banco Nación, and BBVA. Each institution offers different conditions, rates, and terms.

Loans for retirees: what options are available in January

The loans are aimed at retirees who receive their benefits in each bank. The amounts, rates, and terms vary depending on the institution.

Banco Provincia: loans of up to $50,000,000

Banco Provincia offers personal loans for retirees who receive their benefits at the institution. The maximum amount reaches $50,000,000.

• Term: up to 72 months.
• Nominal annual rate (TNA): 98%.
• Installment example: $8,680.95 for every $100,000.
• Disbursement: within 24 hours.

The application is carried out through home banking or BIP Móvil, with an active security token.

Banco Nación: digital credit for retirees

Banco Nación keeps an exclusive line for retirees and pensioners who are paid at the institution. The process is 100% online.

• Amount: from $10,000 to $50,000,000.
• Purpose: unrestricted.
• Installment-to-income ratio: up to 35%.

Current rates and terms

The nominal annual rate (TNA) is 45% and the effective annual rate (TEA) is 55.59%. The term can be up to 72 months with account debit.

BBVA: personal loans with fixed rate

BBVA offers loans for retirees of up to $40,000,000. The process is carried out digitally.

• Term: from 6 to 60 months.
• Nominal annual rate (TNA): 135%.
• Effective annual rate (TEA): 259.42%.

The installment-to-income ratio is 30% and it doesn't have a disbursement fee.