Produbanco Credito en Linea review

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

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Our verdict

Produbanco Credito en Linea is a straightforward personal loan from a long-established Ecuadorian bank, and it suits borrowers in Ecuador who want cash in their account the same day rather than waiting. A ceiling of $50,000 and the same-day disbursement are what set it apart from the lenders next to it.

Key facts

Best for
Ecuadorian adults who want a personal loan paid into their account the same business day.
APR
15.6% (Source, checked September 26, 2026)
Loan amount
$50,000 (Source, checked September 26, 2026)
Funding time
Immediate disbursement if the online application is completed before 18:50 on business days; otherwise credited from 08:30 the next business day (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Valid national ID card, Ecuadorian national of legal age, apply from a device with a camera (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
Banco de la Produccion S.A. (Source, checked September 26, 2026)
Headquarters
Ecuador (Source, checked September 26, 2026)
Founded
1978 (Source, checked September 26, 2026)
Support channels
Phone (Source, checked September 26, 2026)
Features
Same-day funding
Official website
produbanco.com.ec

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • Same-day funding is listed among the features (same day funding), and applications completed before the evening cut-off on a business day are disbursed immediately.
  • A lending ceiling of $50,000 on a single online application, which covers larger personal needs.
  • Money comes straight from the bank, since Produbanco is a direct lender offering personal loans.
  • Banco de la Produccion S.A. has been banking since 1978, so the cash sits with an established institution.

Cons

  • Pricing is variable, so repayments can rise if the base rate moves.
  • Support runs on phone only, so every question has to fit around a phone call.
  • Its listed features (same day funding) cover same-day funding alone, so a revolving credit line is not among what this product offers.
Produbanco Credito en Linea

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Who it suits

  • Ecuadorian nationals of legal age who hold a valid national ID card and have a device with a camera to apply on.
  • People who need the money in their account the same business day, not after a waiting period.
  • Borrowers who would rather deal with the bank that hands over the cash than with a broker.

Who should look elsewhere

  • Monzo Flex, where rates run 10% to 23% and top out above Produbanco's 15.6%, does not undercut this lender on rate.
  • Cashspace ES, with 0% borrowing listed, is the pick if cost is the only test.
  • Cashspace starts at PHP 12 to PHP 36, below Produbanco's 15.6%, so look there for a cheaper headline rate.

Who runs it

Produbanco Credito en Linea is issued by Banco de la Produccion S.A., a bank headquartered in Ecuador that has been lending since 1978. The product is an online personal loan, so the application, the offer and the payout are all handled digitally. Customer help runs on phone, which means a question about the rate or the payout is settled by phone.

How Produbanco Credito en Linea compares

Where Produbanco Credito en Linea is available

Available
Ecuador

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

Frequently asked questions

How much can I borrow?+

Lending covers personal borrowing, with a ceiling of $50,000 on the online application. The whole request is assessed on its own merits, and the amount you ask for shapes the rate you are offered. Money goes straight to your bank account rather than arriving as cash or a voucher.

What rate do I pay?+

The published rate is 15.6%, and the pricing is variable. The cost is tied to a reference rate rather than fixed for the life of the agreement, so a rise in the base rate would raise your repayments. Check the current figure with the bank before you sign, since the headline rate moves.

How quickly does the money arrive?+

Same-day funding is among the listed features (same day funding), and the payout is immediate when your online application is completed before the evening cut-off on a business day. Applications that miss the cut-off are credited from early the next business day, so timing the form matters.

Who can apply?+

The lender is Banco de la Produccion S.A., based in Ecuador, and it lends to adults who are Ecuadorian nationals and hold a national ID card. The application also has to be completed on a device with a camera, because the process runs online. Applicants who are not Ecuadorian nationals fall outside this product.

How do I get help with the loan?+

Support runs on phone. Questions about the application, the rate you have been offered or the payout are handled by phone, which helps when you need an answer before a deadline. It is a single listed channel, so plan the call into your day.

How does the rate compare with other lenders?+

The rate of 15.6% sits above the site median of 12% for personal loans, and lower-quartile lenders start near 6.13%. The headline cost is therefore mid-range rather than cheap, and the appeal lies in the speed of the payout and the size of the loan rather than the rate alone.

Sources

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Arrangement fee, Credit check, Representative example.

Related by the facts

Produbanco Credito en Linea

Produbanco Credito en Linea

Ecuadorian adults who want a personal loan paid into their account the same business day.

9.0/10See alternatives

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