Credit access for people and companies is one of the key elements of financial inclusion, since they can make their income stable and increase them, while being more resilient to the economic upheavals, thus improving their quality of life.

Mercado Pago provides users with the chance to enjoy easy access to the money they need, in a simple, safe, and clear way.  With just one click, and without needing to submit any documents, or signing anything, users can have access to credit facilities 100% digitally,  24-7.

To offer loans, Mercado Pago is supported by technology such as machine learning and artificial intelligence, as well as an own scoring model. The purpose is to deliver solutions encouraging financial inclusion, consumption, and leveraging the entrepreneurial effect.

Mercado Pago credit facility offer contributes to entrepreneurs and small and medium sized companies’ financial inclusion, because its financial proposal reaches those who have no access to the traditional financial system. We aim at ensuring that everybody, regardless of their gender, residence, or economic status, can get access to affordable lines of credit and insurance to take hold of their financial lives.

The impact of the credit offer in financial inclusion is overwhelming in countries where the product has been launched. Access to innovative, easy-to-adopt, and daily manageable   financial tools also generates an increasing interest and learning about issues related to the world of finance.

That is to say, that we are not only the access gate to financial services but also we provide an experience that fosters a willing spirit and the chance to keep moving forward, since it makes it possible to envisage new opportunities and make them accessible.