Afluenta review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Afluenta is an Argentine lending marketplace for personal and business borrowers who want a fixed-rate loan decided online in minutes, and it suits anyone comfortable with high borrowing costs. The rate runs 110% to 394.9%, the top of that band by a distance.

Key facts

Best for
Borrowers in Argentina who want a fixed-rate personal or business loan, decided fully online, and who are comfortable with rates of 110% to 394.9%.
APR
110% to 394.9% (Source, checked September 26, 2026)
Loan amount
up to ARS 5,000,000 (Source, checked September 26, 2026)
Term
3 to 48 months (Source, checked September 26, 2026)
Arrangement fee
Platform use fee 3% to 13% of the amount requested + VAT, by term and profile; instalment processing fee ARS 400 + VAT + up to 3.82% + VAT (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Immediate response, application 100% online in minutes; funds transferred to the applicant's account once investors have funded the request (Source, checked September 26, 2026)
Representative example
Personal loan of ARS 500,000 over 12 months, profile AA: TNA 110%, TEA 186.50%, CFT excl. VAT 178.48%, average instalment ARS 86,043, total repaid ARS 1,043,066 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Origination fee (%)
3% to 13% (Source, checked September 26, 2026)
Loan types
Personal, Business (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Afluenta S.A. (CUIT 30-71178121-4) (Source, checked September 26, 2026)
Headquarters
Argentina (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
afluenta.com

Apps and profiles

Elsewhere
LinkedInX

Pros and cons

Pros

  • Interest is fixed and the model is fixed rate, so the instalment does not drift during the term.
  • Free early repayment, so you can clear the loan sooner without a penalty.
  • The application is online, takes minutes and comes back with a response straight away.
  • Borrowing up to ARS 5,000,000 over terms of 3 to 48.

Cons

  • The rate runs 110% to 394.9%, far above the personal loan median of 12.25%.
  • Credit checks are hard (hard), so an application leaves a full search on the file.
  • Costs stack up: a platform use fee of 3% to 13% of the amount requested plus VAT, and a further processing charge on each instalment.
Afluenta

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Scored 8.4 / 10 by BorrowCue.

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Who it suits

  • Borrowers after personal or business lending, since the platform covers personal and business loans.
  • Anyone funding home improvement, a listed use on home improvement.
  • Borrowers who can clear hard credit checks and may want to repay early without a penalty.

Who should look elsewhere

  • Anyone after a rate near Monzo Flex's 10% to 23%; Afluenta's 110% to 394.9% sits well above it.
  • Borrowers who want a low interest rate: Cashspace ES lists 0%, while every Afluenta loan carries interest.
  • Businesses wanting a band under Cashspace's PHP 12 to PHP 36.

Who runs it

Afluenta is registered as Afluenta S.A. (CUIT 30-71178121-4) and works from AR. It sits on the register of the Banco Central de la Republica Argentina as a provider of credit between private individuals through platforms, the registration a platform needs to match investors with borrowers. Support runs on email, phone and help centre, so email, phone and a help centre cover questions on an application or a repayment.

How Afluenta compares

Where Afluenta is available

Available
Argentina, Mexico, Peru, United States
Licence in Argentina
Banco Central de la Republica Argentina (BCRA) - registered as Proveedor de Servicios de Creditos entre Particulares a traves de Plataformas, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate would I pay?+

Afluenta quotes 110% to 394.9%, with the rate set at fixed and shown before you accept. The band is wide because the price moves with your credit profile and the term you pick. Read the whole range rather than the top figure, which is the price for weaker profiles.

What fees come with the loan?+

There is a platform use fee set as a share of the amount requested, 3% to 13%, plus VAT, and that share rises with longer terms and weaker profiles. On top of it, each instalment carries a processing charge in pesos plus a percentage fee, both with VAT added.

How much can I borrow, and for how long?+

You can request up to ARS 5,000,000, and terms run 3 to 48. Short terms keep the instalment large because the fee share is set partly by length, so stretching the term usually cuts the interest while adding to what you pay in fees.

Is there a hard credit search?+

Yes. Credit checks come under hard, and Afluenta is aimed at borrowers whose credit sits at the poor end, so it accepts thinner files than most lenders. A stronger profile still lands on the cheaper end of the rate band.

Who regulates Afluenta?+

Afluenta is registered as Afluenta S.A. (CUIT 30-71178121-4) and works from AR. It appears on the register of the Banco Central de la Republica Argentina as a provider of credit between private individuals through platforms, the registration that lets a platform match investors with borrowers.

How does the marketplace get the money to me?+

Afluenta runs as a marketplace (marketplace), listing requests and letting investors decide which ones to fund. The application is online, takes minutes and returns a response straight away, but money reaches the account only once investors have committed to the request, so the timing sits outside the platform's control.

What can I use the loan for?+

The same application covers personal and business loans, and home improvement is a listed use on home improvement. The rate is set at fixed for the whole term, so the instalment is known once investors fund the request and the money goes to your account.

How do I reach support?+

Support runs on email, phone and help centre, so you can email, phone or work through the help centre. The same channels handle questions on an application, a funded request or an instalment, and the help centre carries the general guidance on both.

Sources

  • afluenta.com checked September 26, 2026

    Backs: Credit needed, Headquarters, Legal entity, Support channels, Use cases, Licences

    “Buenos Aires, CABA. Argentina.”

  • afluenta.com/global checked September 26, 2026

    Backs: Lender type

    “you can finance Latin American Individuals and small and medium-sized enterprises (SMEs)”

  • afluenta.com/informacion-sobre-creditos checked September 26, 2026

    Backs: Loan amount, APR, Free early repayment, Pricing model, Arrangement fee, Rate type, Representative example

  • afluenta.com/informacion-sobre-creditos/costos-generales-... checked September 26, 2026

    Backs: Origination fee (%)

    “Comisión por Uso de la Plataforma - Créditos personales (3% to 13% across profiles AA to F and terms 3 to 48 months)”

  • afluenta.com/solicitar checked September 26, 2026

    Backs: Credit check, Funding time, Loan types, Term

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Afluenta

Afluenta

Borrowers in Argentina who want a fixed-rate personal or business loan, decided fully online, and who are comfortable with rates of 110% to 394.9%.

8.4/10See alternatives

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