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Produbanco Credito en Linea review

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

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Our verdict

Produbanco Credito en Linea suits Ecuadorian adults who want a personal loan drawn from a bank with a long history and money the same day. The variable rate of 15.6% and a $50,000 cap put it among the larger, cheaper loans on the site.

Key facts

Best for
Ecuadorian adults of legal age applying from a phone or computer with a camera.
APR
15.6%↗
Loan amount
$50,000↗
Funding time
Immediate disbursement if the online application is completed before 18:50 on business days; otherwise credited from 08:30 the next business day↗
Rate type
Variable↗
Lender type
Direct lender↗
Eligibility
Valid national ID card, Ecuadorian national of legal age, apply from a device with a camera↗
Loan types
Personal↗
Legal entity
Banco de la Produccion S.A.↗
Headquarters
Ecuador↗
Founded
1978↗
Support channels
Phone↗
Features
Same-day funding
Official website
produbanco.com.ec

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • Money can arrive the same day, with same-day funding listed as a feature.
  • Borrow up to $50,000 for personal use.
  • A bank that lends directly, not a broker or marketplace.
  • Operating since 1978.

Cons

  • The rate is variable, so payments can move.
  • Support runs on phone only.
  • The amount sits at a middling rank on the site, 49 of 665.
Produbanco Credito en Linea

Ready to try Produbanco Credito en Linea?

Scored 9.1 / 10 by SumCue.

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Who it suits

  • Ecuadorian nationals of legal age with a valid national ID card
  • Anyone who wants the money in the same day
  • Adults who apply from a device with a camera

Who should look elsewhere

  • Borrowers wanting a fixed rate, so Cashspace is worth a look
  • Lenders with a higher minimum, since Creduma ES starts at from €12,000
  • Anyone outside Ecuador, so Sofkredit may suit better

Who runs it

The credit is issued by Banco de la Produccion S.A., a bank based in Ecuador that has operated since 1978. It lends as a direct lender rather than acting as a broker, so the agreement sits with the bank itself. Anyone with a question about the loan or an existing payment can call: support runs on phone.

How Produbanco Credito en Linea compares

Where Produbanco Credito en Linea is available

Available
Ecuador

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

Frequently asked questions

What rate do I pay on this loan?+

The loan carries an annual rate of 15.6%, and the rate type is variable rather than fixed. That means the rate can move over the life of the loan, so the payment you start with is not guaranteed to be the payment you keep. Ask for the current rate when you apply.

How much can I borrow?+

The maximum loan amount is $50,000. The type of credit is personal, so the money goes to you rather than to a merchant for a purchase. Whether you receive the full amount depends on the bank's assessment of your situation.

How quickly will the money arrive?+

The bank lists same-day funding as a feature of this credit. Disbursement is immediate when the online application is finished before that day's cutoff on a business day, and otherwise credited from the start of the next business day. Earlier applications in the working day are more likely to land the same day.

Who can apply?+

You need a valid national ID card, and you must be an Ecuadorian national of legal age. The application is online, so you also need to apply from a device with a camera. People without Ecuadorian nationality cannot use this offer.

Is my money safe with this lender?+

The credit comes from Banco de la Produccion S.A., a bank operating in Ecuador since 1978. The legal entity is a bank rather than a broker or a marketplace, so the agreement is with the institution that holds your deposit relationship. Read the agreement for the terms that apply to your loan.

How do I get help with my loan?+

Support runs on phone only, so a phone call is the route to questions about the loan or an existing payment. Have your ID card and reference details ready when you call. There is no online chat or email route listed for this product.

Does Produbanco offer other kinds of credit?+

The product listed here is a personal loan, and the bank is a direct lender rather than a broker, so offers come from the bank itself. If you want to see how this rate sits against others, the site tracks personal loans and borrowing products with a median APR of 15.5%.

Sources

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

Not confirmed yet: Term, Arrangement fee, Credit check, Representative example.

Produbanco Credito en Linea

Produbanco Credito en Linea

Ecuadorian adults of legal age applying from a phone or computer with a camera.

9.1/10See alternatives