Which banks lend up to $100 million, who can access it, and what the rates are in February 2026
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A survey by TN shows that personal loans continue to be one of the most sought-after tools to undertake projects or consolidate debt. In February 2026, banks adjust amounts, terms, and rates according to the client's profile.
Institutions such as Banco Nación, BBVA, and Banco Provincia offer lines with marked differences in financial costs. Below is the detail of who can access them and what the current conditions are.
El proceso para pedir el prestamo de Mercado Pago
Banco Nación: personal loan of up to $100,000,000
Banco Nación has an exclusive loan for clients who receive their salaries in the institution. It is aimed at salaried employees and workers with lease contracts.
Main features
Purpose: unrestricted, granted in pesos.
Automatic debit of installments.
Possibility of applying again after repaying 10% of the principal.
Conditions and rates
Amount: from $10,000 to $100,000,000.
Term: up to 72 months.
Nominal annual rate (TNA): 55%.
Effective annual rate (TEA): 71.22%.
Total financial cost (CFT): 66.55% (TNA) and 91.11% (TEA).
Banco Nación
BBVA: staggered amounts and fixed rate
BBVA offers loans for employees and self-employed workers. The maximum amount varies according to the application channel.
Amounts and conditions
Up to $40,000,000 if it is processed online.
Up to $70,000,000 at a branch.
Nominal annual rate (TNA): from 135%.
Effective annual rate (TEA): from 259.42%.
Term: from 6 to 60 months.
BBVA
Key requirements
Age between 18 and 74 years.
Minimum monthly income of $308,200.
Employment tenure according to type of job.
Banco Provincia: fast and digital credit
Banco Provincia keeps its line active for public employees, private employees, and retirees who receive their payments in the institution. The process is 100% digital.
Main data
Amount: up to $50,000,000.
Term: up to 48 months.
Fixed nominal annual rate (TNA): 98%.
Disbursement: in less than 24 hours.
Banco Provincia
The final conditions depend on the credit analysis and the applicant's profile, so comparing rates and terms is key before taking on debt.
