Ualá review

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

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Our verdict

Ualá lends directly to Argentine residents through its own bank, which suits borrowers who want money in their Ualá account the same day and can handle a hard credit check. Costs are the trade-off: the APR on its personal loans is 58.88% to 437.2%, far above the 12.25% median in the comparison.

Key facts

Best for
Same-day personal and payday lending in Argentina, funded straight into a Ualá account.
APR
58.88% to 437.2% (Source, checked September 26, 2026)
Term
6 to 48 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Instant, credited to the Ualá account on acceptance (Source, checked September 26, 2026)
Representative example
Personal loan - TNA min 39.00% max 149.00%; TEA min 46.80% max 307.79%; CFT min 58.88% max 437.20% (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Argentine citizen or resident in Argentina, 18 or older; no delinquency recorded in the last 24 months; employees need at least 6 months of job tenure, self-employed/monotributistas 1 year in the activity (Source, checked September 26, 2026)
Loan types
Personal, Payday (Source, checked September 26, 2026)
Legal entity
Ualá Bank S.A.U. (Source, checked September 26, 2026)
Headquarters
Argentina (Source, checked September 26, 2026)
Founded
2017 (Source, checked September 26, 2026)
Support channels
Chat, Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
uala.com.ar

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaXLinkedInfacebook.com

Pros and cons

Pros

  • Funding is Instant, credited to the Ualá account on acceptance, which suits an emergency or a bill due today.
  • Terms run 6 to 48 with fixed pricing, so a longer loan is available at a rate that is known from the start.
  • Ualá lends as a direct lender through Ualá Bank S.A.U., so the contract and the money both sit with the bank.

Cons

  • A hard check means a full search lands on your file, with no soft prequalification step first.
  • Free early repayment is listed as no, so clearing the balance before the end of the term costs money.
  • Eligibility is strict: applicants must be adults living in Argentina with a clear record over a recent period, plus a minimum job tenure for employees or a minimum time in the activity for the self-employed.
Ualá

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Scored 8.7 / 10 by BorrowCue.

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Who it suits

  • Borrowers in Argentina who already use Ualá and want the money the same day.
  • People with a settled job or business who can pass a hard check.
  • Anyone who puts speed and account convenience above the rate on offer.

Who should look elsewhere

  • Rate shoppers: the 58.88% to 437.2% range is far above the 12.25% median, so read Monzo Flex at 10% to 23% first.
  • Borrowers who plan to overpay, since free early repayment is listed as no.
  • Anyone with a recent delinquency on file, because eligibility needs a clean record over a recent period.

How Ualá compares

Where Ualá is available

Available
Argentina
Licence in Argentina
Banco Central de la República Argentina (BCRA), checked September 26, 2026

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

Frequently asked questions

What does a Ualá loan cost?+

Ualá publishes a personal loan APR of 58.88% to 437.2%, and the representative example pairs that total cost figure with a lower nominal and effective annual rate on the same loan. Compare that range with the 12.25% median across personal loans in the comparison, and read the total cost figure rather than the headline rate.

Is the rate fixed or variable?+

Loans are priced as fixed rate at a fixed rate, so the cost of borrowing is set when the loan is granted and does not move with a base rate mid-term. Terms run 6 to 48, which locks in both the rate and the repayment amount for the life of the loan.

How quickly is the money paid out?+

Funding is Instant, credited to the Ualá account on acceptance, and Ualá lists same day funding as well. That makes it a practical fit for a bill due today, but speed does not change the price: budget for the 58.88% to 437.2% range either way.

Does Ualá run a credit check?+

Ualá runs a hard credit check, so a full search is recorded on your file before a decision is made. That is normal in this market: 72.7% of the personal loans in the comparison also check credit this way.

Who is eligible to apply?+

You need to be an Argentine citizen or resident, an adult, with no delinquency recorded in a recent period, and you will face a hard credit check. Employees need a minimum job tenure and self-employed applicants a minimum time in the activity, so a recent job change can rule you out.

Is Ualá a regulated bank?+

Ualá lends through Ualá Bank S.A.U., a bank based in Argentina and supervised by the Banco Central de la República Argentina. It is a direct lender, so the contract, the servicing and the complaints all sit with the same bank rather than an intermediary.

Can I repay the loan early without a charge?+

No. Free early repayment is listed as no, so clearing the balance before the end of the term carries a cost. In the comparison, 79.5% of personal loans allow free early repayment, so borrowers who expect to overpay should weigh other lenders.

What support is there if something goes wrong?+

Support runs on chat, email and phone, so you can reach the bank by chat, email or phone, and browse a help centre. With the loan credited to your own account on acceptance, the same channels handle questions about the repayment schedule and the amount collected.

Sources

  • uala.com.ar/costos checked September 26, 2026

    Backs: APR, Free early repayment, Headquarters, Representative example

    “Personal loans CFT: Minimum 58.88% - Maximum 437.20%; TNA 39.00% - 149.00%; TEA 46.80% - 307.79%”

  • uala.com.ar/nosotros checked September 26, 2026

    Backs: Founded

    “Argentine entrepreneur Pierpaolo Barbieri created and launched Ualá in October 2017; it began operations in Argentina in October 2017”

  • uala.com.ar/prestamos checked September 26, 2026

    Backs: Credit check, Eligibility, Features, Funding time, Legal entity, Lender type, Loan types, Pricing model, Rate type, Support channels, Term, Licences

    “The granting of the credit is subject to credit, commercial and risk assessment; your debt situation is reported to the BCRA”

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

Not confirmed yet: Loan amount, Arrangement fee.

Ualá

Ualá

Same-day personal and payday lending in Argentina, funded straight into a Ualá account.

8.7/10See alternatives

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