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NexaBanco review

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

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Our verdict

NexaBanco suits adults in Guatemala with a good credit record who want a personal loan and a fixed-term deposit managed in the same app. Loan APR is 19% to 37% on amounts of GTQ 5,000 to GTQ 300,000, while a fixed deposit pays 6% with a minimum deposit of GTQ 500.

Key facts

Best for
Comparing a NexaBanco personal loan with a fixed-term deposit in one app.
APR
19% to 37%↗
Loan amount
GTQ 5,000 to GTQ 300,000↗
Term
6 to 60 months↗
Arrangement fee
Disbursement commission of 2% to 4% of the amount disbursed (Q1,000 on a Q25,000 loan)↗
Credit check
Hard↗
Funding time
24-48 hours (24h once documentation is complete, counted in business days)↗
Representative example
Q25,000 over 60 months at 37% nominal annual rate, one-off 4% disbursement commission (Q1,000), 47.27% effective annual interest rate, monthly payment about Q920, total payable Q56,200↗
Rate type
Variable↗
Lender type
Direct lender↗
Eligibility
Age 20-65, permanent residence in Guatemala, verifiable monthly income from Q5,000, clean credit record with no recent delinquency, valid DPI, income proof and bank statements↗
Origination fee (%)
2% to 4%↗
Loan types
Personal↗
Credit needed
Good↗
Legal entity
Banco Nexa, S.A↗
Headquarters
Guatemala↗
Founded
2019↗
Support channels
Email, Chat, Phone, Help-centre↗
Pricing model
Fixed rate
Official website
nexabanco.com

Savings

Headline rate
6%↗
Minimum deposit
GTQ 500↗
Access terms
Opened and managed entirely in the Nexa app; interest paid monthly or at maturity↗
Account kind
Fixed↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
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Pros and cons

Pros

  • Personal loans of GTQ 5,000 to GTQ 300,000 over terms of 6 to 60, with funding once your documentation is complete.
  • A fixed deposit pays a headline rate of 6% with a minimum deposit of GTQ 500.
  • Help runs on email, chat and phone, so phone, chat, email and a help centre are all available.
  • NexaBanco is a direct lender that has operated since 2019.

Cons

  • Personal-loan APR is 19% to 37% and the rate type is variable, so the rate can move.
  • A one-off disbursement commission of 2% to 4% of the amount disbursed is charged on every loan.
NexaBanco

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Adults in Guatemala with permanent residence, verifiable monthly income, a valid DPI, income proof and bank statements.
  • Borrowers with a good credit record and no recent delinquency who can clear a hard credit check.
  • People who want a personal loan and a fixed deposit run from the same app.

Who should look elsewhere

  • Cashspace, where personal-loan APR is PHP 12 to PHP 36, suits a different rate comparison.
  • Creduma ES, where loan amounts run from from €12,000, suits a far larger borrowing scale.
  • Sofkredit, where personal-loan APR is 10.74% to 18.06%, suits a lower-cost rate comparison.

How NexaBanco compares

Where NexaBanco is available

Available
Guatemala
Licence in Guatemala
Junta Monetaria de Guatemala, checked September 26, 2026
Licence in Guatemala
Superintendencia de Bancos de Guatemala (SIB), checked September 26, 2026

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

Frequently asked questions

What can I borrow from NexaBanco?+

NexaBanco offers personal loans of GTQ 5,000 to GTQ 300,000 to applicants in Guatemala. You need permanent residence, verifiable monthly income, a valid DPI, income proof, bank statements and a credit record with no recent delinquency.

What rate and fees apply to a NexaBanco loan?+

The personal-loan rate type is variable and APR is 19% to 37%. A one-off disbursement commission of 2% to 4% of the amount disbursed is charged on top, so the full cost of borrowing sits above the headline rate.

How long can a NexaBanco loan last?+

Personal-loan terms run for 6 to 60. A longer term spreads repayments over more months, but the total repaid still matters when you weigh affordability against the variable rate and the commission on the amount disbursed.

How are loans checked and funded?+

NexaBanco runs a hard credit check and looks for a good credit record. Funding follows a waiting period counted in business days once your documentation is complete, and approval also depends on residence and verifiable monthly income.

Who regulates NexaBanco?+

NexaBanco is regulated in Guatemala by the Junta Monetaria de Guatemala and the Superintendencia de Bancos de Guatemala (SIB). Its legal entity is Banco Nexa, S.A, its lender kind is direct lender and it was founded in 2019.

How can NexaBanco customers get help?+

Support runs on email, chat and phone, so you can reach the bank by phone, chat, email or the help centre. The same channels cover a loan question and a fixed-term deposit question, and the deposit itself is handled in the Nexa app.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

NexaBanco

NexaBanco

Comparing a NexaBanco personal loan with a fixed-term deposit in one app.

8.9/10See alternatives