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CajaPlata review

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

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Our verdict

CajaPlata lends straight to you in Argentina, with fixed-rate personal loans and a published example showing no service fee. It suits residents with a valid DNI who want a direct lender and can clear a hard credit check.

Key facts

Best for
Argentines wanting a direct fixed-rate personal loan with no service fee in the published examples.
APR
36% to 100%↗
Loan amount
ARS 30,000 to ARS 2,000,000↗
Term
91 to 360 months↗
Arrangement fee
Service fee (tarifa de servicio) is ARS 0 in the published examples; if a loan carries a fee it is disclosed before signing and is included in the CFTEA↗
Credit check
Hard↗
Funding time
Funds paid into your account once you sign the electronic loan contract (no hour-by-hour timing published)↗
Representative example
Personal loan ARS 1,000,000 over 180 days: service fee ARS 0, interest ARS 163,737 (VAT incl.), total ARS 1,163,737 payable in one payment; TNA 27.44% excl. VAT, CFTEA 36.00% incl. VAT↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
Age 18 to 55; residents of Argentina with valid DNI↗
Loan types
Personal↗
Headquarters
Argentina↗
Support channels
Email, Help-centre↗
Pricing model
Fixed rate
Official website
cajaplata.com

Facts checked September 26, 2026, 2 sources

Pros and cons

Pros

  • CajaPlata is a direct lender, so you deal with one company from application to payout
  • The service fee is free in the published examples, and any fee is disclosed before signing
  • Fixed-rate loans of ARS 30,000 to ARS 2,000,000 over 91 to 360 mean your repayments do not shift
  • Support runs on email and help centre, including a help centre

Cons

  • The APR range runs as high as 36% to 100%, so the cost of longer terms is high
  • Applications carry a hard credit check, and thin files can be turned down
  • Support runs on email and help centre only, with no phone line

Ready to try CajaPlata?

Scored 9.0 / 10 by SumCue.

See alternatives

Who it suits

  • Residents of Argentina with a valid DNI within the eligible age band
  • Borrowers who want one direct lender and a fixed-rate repayment
  • People who can cover a hard credit check

Who should look elsewhere

  • Borrowers outside Argentina, who cannot meet the residency rule
  • Anyone wanting a guaranteed rate, since APR runs as high as 36% to 100%
  • Borrowers who need phone help, as support runs on email and help centre only

Deposit protection

CajaPlata is a direct lender, so the person you deal with is the one making the credit decision. The published example shows how a loan is priced: a personal loan repaid in one payment, with a free service fee, interest that includes VAT, and a TNA and CFTEA given for that example. Keep the example to hand, because it shows what the cost looks like in pesos before you sign.

How CajaPlata compares

Where CajaPlata is available

Available
Argentina

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

Frequently asked questions

How much can I borrow from CajaPlata?+

CajaPlata offers personal loans of ARS 30,000 to ARS 2,000,000, a single market in Argentina. Terms run 91 to 360, so you can shorten or lengthen the repayment period to suit your budget. The loan type is personal, so it is aimed at individual borrowers rather than businesses.

What will a CajaPlata loan cost me?+

The APR range is 36% to 100%, which is wide, so the cost depends heavily on the term you pick. The service fee is free in the published examples, and any fee that does apply is disclosed before you sign and included in the CFTEA. The rate is fixed, so it will not move during the loan.

Does CajaPlata run a credit check?+

Yes, the credit check is hard, which means the search can affect your credit file. Applicants need a minimum age and a valid DNI, plus residency in Argentina. A hard check makes approval harder for people with a thin credit history.

How quickly does CajaPlata pay out?+

Funds land in your account once you sign the electronic loan contract, so the payout follows the contract rather than a set hour. The published example shows the whole loan repayable in one payment. There is no hour-by-hour timing published.

Is CajaPlata regulated?+

CajaPlata is a direct lender based in Argentina, which means you apply to the company that will lend to you rather than a broker. No regulator or protection scheme is listed for it here, so check the terms yourself before signing. Loans are made under Argentine rules.

Who can apply for a CajaPlata loan?+

Applicants must be within the eligible age band, be residents of Argentina and hold a valid DNI. The lender offers personal loans only, so there is no business or mortgage product. Availability is therefore tied to residency rather than to a wider international market.

How do I get help from CajaPlata?+

Support runs on email and help centre, so you can reach the team by email or use the help centre. There is no phone channel listed, which matters if you need to talk something through. Keep your contract details handy, as support will ask about your loan.

Is the CajaPlata rate fixed or variable?+

The rate type is fixed, which means the interest does not move once the contract is signed. Fixed-rate loans are the main model on the market here. The trade-off is the top of the APR range, 36% to 100%, which is the highest figure you would be quoted.

Sources

  • cajaplata.com checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Funding time, Headquarters, Lender type, Loan types, Pricing model, Arrangement fee, Rate type, Representative example, Term

    “Monto $30.000 a $2.000.000 (ARS)”

  • cajaplata.com/privacidad.html checked September 26, 2026

    Backs: Credit check, Support channels

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

CajaPlata

Argentines wanting a direct fixed-rate personal loan with no service fee in the published examples.

9.0/10See alternatives