TuTasa review

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

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Our verdict

TuTasa is a straightforward Uruguayan property backed lender for anyone who already owns a home and wants a fixed rate loan. Borrowing costs 12.68% a year on from $10,000, with pre approval in Pre-approval in up to 24 hours and a fixed period of 3 to 10.

Key facts

Best for
Property owners in Uruguay who want a predictable fixed rate and can offer a house as security.
APR
12.68% (Source, checked September 26, 2026)
Loan amount
from $10,000 (Source, checked September 26, 2026)
Term
36 to 120 months (Source, checked September 26, 2026)
Funding time
Pre-approval in up to 24 hours (Source, checked September 26, 2026)
Representative example
USD mortgage loan of USD 25,000 repaid in 60 instalments of USD 556 including capital and interest, at 12.68% annual effective rate (TEA) (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Property owner aged 18 or over with no legal impediment to sign the contract; the pledged property may be owned by a third party such as a relative or friend (Source, checked September 26, 2026)
Loan types
Secured, Bridging, Debt-consolidation, Business (Source, checked September 26, 2026)
Legal entity
TuTasa SAS (Source, checked September 26, 2026)
Headquarters
Uruguay (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
tutasa.com.uy

Mortgages

Initial rate
12.68% (Source, checked September 26, 2026)
Fixed period
3 to 10 years (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Legal entity
TuTasa SAS (Source, checked September 26, 2026)
Headquarters
Uruguay (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
instagram.com

Pros and cons

Pros

  • One fixed rate of 12.68% on every loan, so the monthly payment does not move
  • Several uses, including secured, bridging, debt consolidation and business lending
  • The pledged property can belong to a relative or friend, not only the borrower
  • Help runs on phone, email and chat, so you can pick phone, email or chat

Cons

  • Free early repayment is not offered, so paying the loan off early may carry a cost
  • Lending starts at from $10,000, which is well above the €876.96 typical amount on the site
  • A fixed period of 3 to 10 keeps the rate steady but fixes the loan for a long stretch
TuTasa

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Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Property owners with clear title who want a fixed rate mortgage or remortgage
  • Borrowers consolidating other debts against their home
  • Businesses needing secured finance on property

Who should look elsewhere

  • Anyone without a property to pledge, since a house is the security
  • Borrowers who want to repay early without a charge, as free early repayment is not offered
  • Anyone outside Uruguay, since TuTasa lends in a single market

How it compares on our data

On loan amount, TuTasa ranks 118 of 685 brands on our data, which reflects a market focused on larger sums rather than small personal loans. On APR it sits at 192 of 350. The lender serves a single market and works mainly through property backed finance, so the ranking reflects a narrower, bigger ticket product than the typical listing here.

The company behind it

TuTasa is registered as TuTasa SAS and is based in Uruguay. Support runs on phone, email and chat, giving you a choice of phone, email or chat for questions about a pledge, a fixed period or an application in progress. Because lending here rests on a property pledge, the company works closely with the valuation and signing side of the process as well as the loan itself.

How TuTasa compares

Where TuTasa is available

Available
Uruguay

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

Frequently asked questions

What rate do I pay on a TuTasa loan?+

TuTasa lends at a fixed rate, currently 12.68% a year. Because the model is fixed rate, the same rate applies across the terms it offers. The rate sits close to the 12% median across the site, so it is worth checking cheaper credit elsewhere if the cost of borrowing matters most to you.

How much can I borrow?+

Loans start at from $10,000 and are secured on a property. The lender covers secured lending, bridging finance, debt consolidation and business borrowing, so the amount you qualify for depends on the property you pledge rather than on an unsecured credit score alone.

How long do I have to repay?+

Terms run 36 to 120, with a fixed period of 3 to 10. That is a long commitment, so the monthly payment stays predictable for the whole stretch. The site median term is 36 months, so this is at the longer end of what most lenders here offer.

Can I pay the loan off early?+

Free early repayment is not offered on these loans. If you expect to settle the balance sooner than the agreed term, ask about the cost of early repayment before you sign, since the fixed period of 3 to 10 is a long run.

Do I need to own the house myself?+

No. The pledged property may be owned by a third party, such as a relative or friend. You still need to be a property owner and an adult, and you must be able to sign the contract without any legal impediment.

How long does an application take?+

Pre approval comes in Pre-approval in up to 24 hours. The property security is central to how the loan is assessed, so the pledge and signing steps usually shape the full timeline after that first decision.

What can I use the money for?+

TuTasa covers secured, bridging, debt consolidation and business lending, with purchase and remortgage among the stated purposes. If you want to pull several existing debts into one payment, debt consolidation is listed as a use, and a property pledge is the price of access.

How do I get hold of TuTasa?+

Support runs on phone, email and chat, so you can reach the team by phone, email or chat. Phone is the most common channel across lenders on the site, and here you have three options rather than one. The company behind the lending is TuTasa SAS, based in Uruguay.

Sources

  • tutasa.uy checked September 26, 2026

    Backs: Support channels

    “+598 98 285 139 / +598 92 412 154 ... 092920092 ... info@tutasa.uy”

  • tutasa.uy/empresa checked September 26, 2026

    Backs: Headquarters, Legal entity

    “DIR: Juan Carlos Gomez 1388 / Apart.302 - Ciudad Vieja, Montevideo 11200”

  • tutasa.uy/prestamos checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Fixed period, Free early repayment, Funding time, Initial rate, Loan types, Pricing model, Purpose, Rate type, Representative example, Term

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

Not confirmed yet: Arrangement fee, Credit check.

TuTasa

TuTasa

Property owners in Uruguay who want a predictable fixed rate and can offer a house as security.

8.9/10See alternatives

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