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Ualá review

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

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Our verdict

Ualá lends directly in Argentina through Ualá Bank S.A.U., offering personal and payday loans on a fixed rate, with payout instant to the Ualá account on acceptance. The annual percentage rate of 58.88% to 437.2% is high, so the appeal here is speed of access rather than cheap borrowing.

Key facts

Best for
Fast borrowing in Argentina where payout speed matters more than the rate.
APR
58.88% to 437.2%↗
Term
6 to 48 months↗
Credit check
Hard↗
Funding time
Instant, credited to the Ualá account on acceptance↗
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%↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
No↗
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↗
Loan types
Personal, Payday↗
Legal entity
Ualá Bank S.A.U.↗
Headquarters
Argentina↗
Founded
2017↗
Support channels
Chat, Email, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
uala.com.ar

Savings

Headline rate
19% to 24%↗
Minimum deposit
ARS 10,000↗
Access terms
Money available at any time, yields credited daily including weekends and holidays, account open from age 13↗
Monthly fee
ARS 0↗
Account kind
Easy access↗

Credit cards

Annual fee
ARS 0↗
Card kind
Credit↗

Debit cards

Card type
Prepaid↗
Card network
Mastercard↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaXLinkedInfacebook.com

Pros and cons

Pros

  • Payout is instant and lands in the Ualá account on acceptance, with same day funding listed among its features
  • Lending is direct, so Ualá Bank S.A.U. sets the terms rather than routing borrowers to a broker
  • Personal and payday loans on a fixed rate, with terms of 6 to 48
  • Support runs on chat, email and phone, including a help centre

Cons

  • Cost of credit is high, with an annual percentage rate of 58.88% to 437.2% on personal loans
  • Settling a loan ahead of schedule is chargeable at Ualá
  • A hard credit check applies, so an application can affect your credit file
Ualá

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • Adults in Argentina with a regular income who need money quickly
  • Salaried employees who can show a minimum job tenure
  • Self-employed and monotributista applicants with a minimum time in the activity

Who should look elsewhere

  • Anyone prioritising a low rate, since Sofkredit charges 10.74% to 18.06% and Cashspace PHP 12 to PHP 36
  • Borrowers who want a soft prequalification instead of a full check, which Creduma ES offers
  • Applicants living outside Argentina, because eligibility is restricted to Argentine citizens and residents

Deposit protection

Ualá Bank S.A.U. is a direct lender, so loans are written and funded by the bank rather than passed to a panel of funders, and it is supervised in Argentina by Banco Central de la República Argentina (BCRA). Savings and credit sit with the same regulated bank entity. The representative example for a personal loan quotes nominal, effective and total cost rates that vary widely, so the rate on offer depends on your own profile.

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 personal loan cost?+

Personal loans carry an annual percentage rate of 58.88% to 437.2% at a fixed rate, so the cost holds steady through the term. The representative example published for a personal loan shows nominal, effective and total cost rates all varying, which is why the figure on offer differs between applicants. Sofkredit and Cashspace sit far below that at 10.74% to 18.06% and PHP 12 to PHP 36.

Can I repay a Ualá loan early?+

Settling a loan ahead of schedule is chargeable at Ualá, so any saving from an early exit has to beat that cost. The annual percentage rate of 58.88% to 437.2% then applies across a shorter period, which is the trade to weigh. Terms run for 6 to 48, and a longer term spreads the cost while that early settlement charge stays in place.

How fast does Ualá send the money?+

Funding is instant, with the amount credited to the Ualá account on acceptance, and same day funding is listed among the features. That makes the payout quick for a personal loan, and terms run for 6 to 48. Support runs on chat, email and phone if you want to check progress while an application is being processed.

Who can borrow from Ualá?+

You need to be an Argentine citizen or a resident in Argentina, and an adult. Eligibility also looks at recent repayment history, so a delinquency recorded over a recent period rules an application out. Employees need a minimum job tenure, and self-employed or monotributista applicants need a minimum time in the activity before they can apply.

What credit check does Ualá run?+

The credit check is hard, so an application is visible to lenders and can affect your credit file. That suits borrowers with a steady record who are comfortable with a full check, and Ualá lends direct, so the decision comes from the bank itself rather than from a broker. A prequalification would be a gentler first step.

What is the Ualá savings account like?+

It is an easy access account: money is available at any time and yields are credited daily, including weekends and holidays. The account opens well before adulthood, the minimum deposit is ARS 10,000 and the headline rate is 19% to 24%. Access is the priority rather than a notice period, so it works as a place to hold money between loan payments.

Is Ualá regulated?+

Lending comes from Ualá Bank S.A.U., a bank entity supervised in Argentina by Banco Central de la República Argentina (BCRA). Because it is a direct lender, deposits and loans both sit with that bank, so the counterparty is a single regulated entity. The group was founded in 2017 and operates from Argentina.

What does the Ualá card cost?+

The card carries a monthly fee of ARS 0 and an annual fee of ARS 0, and both sit at the free level. It is a credit card on the Mastercard network, and the card type is described as prepaid, so you can spend from the balance you hold as well as borrow on the card. Support runs on chat, email and phone if you need help with activation.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Loan amount, Arrangement fee.

Ualá

Ualá

Fast borrowing in Argentina where payout speed matters more than the rate.

8.8/10See alternatives