Learn about loans for self-employed taxpayers from Banco Nación, Macro, and Naranja X, their requirements, rates, and amounts
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Monotributistas have several alternatives for personal loans. These options allow users to cover unexpected expenses, invest in equipment, or give a boost to a project without the need to be in an employment relationship.
Among the highlighted options are the proposals from Banco Nación, Banco Macro, and the wallet Naranja X. Each one offers high amounts, accessible conditions, and different rates, depending on the user's profile.
Se prevé una inflación moderada para noviembre
Banco Nación: loans of up to $50,000,000
Banco Nación has an exclusive line for active monotributistas. The loan is offered in pesos and can be repaid in up to 72 fixed installments with mandatory automatic debit.
Main requirements
Be a registered monotributista.
Present the INDEC Census Compliance Certificate.
Be of legal age and not exceed retirement age at the end of the loan.
Amounts and rates
Minimum: $10,000
Maximum: $50,000,000
Term: up to 72 months
Banco Nación
For those who have a Cuenta Nación:
Fixed nominal annual rate (TNA): 70%
Effective annual rate (TEA): 97.46%
Total financial cost with TNA: 98.32%
Total financial cost with TEA: 157.27%
For those who do not have a Cuenta Nación:
Fixed nominal annual rate (TNA): 80%
Effective annual rate (TEA): 116.94%
Total financial cost with TNA: 96.80%
Total financial cost with TEA: 153.69%
El Banco Nación otorgó créditos por 6.500 millones de dólares en Agroactiva.
Additional conditions
The first installment can't exceed 30% of the declared income.
Mandatory automatic debit.
Valid census certificate.
How to apply
Access the Banco Nación website or go to a branch.
Check requirements.
Submit documentation.
Choose amount and term.
Indicate whether or not you join Cuenta Nación.
Wait for credit evaluation.
Sign and receive the funds.
Banco Macro: loans of up to $32,000,000
Banco Macro, according to financial media, offers personal loans of up to $32,000,000 with a repayment term of up to 60 months.
Banco Macro
Current rates
Nominal annual rate (TNA): 72% to 89%
Effective annual rate (TEA): 101.22% to 135.97%
Total effective financial cost (CFTEA): 131.87% to 180.47%
Required documentation
DNI, CUIL certificate, and proof of address.
AFIP forms 158 and 184/F.
Proof of payment of the monotributo for the last three months.
Banco Macro
How to apply
Access the Banco Macro website.
Complete the online form.
Attach documentation.
Wait for evaluation.
Sign and receive the funds.
Naranja X: 100% digital personal loans
For those seeking quick financing, the media highlight that Naranja X offers loans of up to $9,000,000 with immediate accreditation from the app.
General conditions
Minimum amount: $10,000
Maximum amount: $9,000,000
Term: up to 48 months
System: French amortization
billetera virtual
November rates
Nominal annual rate (TNA): 55% to 153%
Effective annual rate (TEA): 71.22% to 322.08%
Total effective financial cost (CFTEA): 91.11% to 459.39%
Requirements
Be a client of Naranja X or Tarjeta Naranja S.A.U.
