CajaPlata review

CajaPlata offers personal loans of ARS 30,000 to ARS 2,000,000 to residents of Argentina, with terms running 91 to 360. The published example repays the balance in a single payment rather than monthly instalments, so check that a single settlement fits your cash flow.

The published range is 36% to 100% and the rate is fixed, so the cost stays the same across the term. The service fee in the published examples is free. Any fee that does apply to a specific loan is disclosed before signing and is counted in the CFTEA, the figure to compare against other lenders.

The service fee in the published examples is free, which is why the headline cost is interest. If a particular loan does carry a fee, it is disclosed before you sign the electronic contract and it is built into the CFTEA. Read the fee line in your own offer, because rates run 36% to 100%.

Funds are paid into your account once you sign the electronic loan contract, so the payout follows the signature rather than a fixed number of hours. The published example clears the whole balance in a single payment, and the rate is fixed at 36% to 100%. Plan the repayment date around that single settlement.

Yes, applications run a hard credit check, which shows on your credit file. Hard checks account for 76.5% of the personal loans listed on the site, so this is the norm rather than the exception. Applying repeatedly in a short window can weigh on your score.

CajaPlata serves a single market, Argentina, and asks for residents with a valid DNI who sit inside its published age band. Personal loans run ARS 30,000 to ARS 2,000,000 on a fixed rate, and the product on offer is personal lending rather than secured borrowing or a revolving credit line.

Support runs on email and help centre, so questions go by email or through the help centre. A phone line is not part of that list, so it pays to have your contract details ready when you write. Fees and the total repayable are set out in the electronic loan contract.