Loan purchases debts from Banco de la Nación: how to access and what are the requirements?

The Banco de la Nación offers various financial aid for its users. If you are in debt and have problems paying, there is the debt purchase loan option that grants you an amount of up to S/50,000 with terms of up to 60 months, after a credit evaluation.

However, if it is the first time, you will be able to obtain this loan if you are classified in the Risk Center of the Superintendency of Banking, Insurance and AFP (SBS) as ‘normal’ or with ‘potential problems’. Below, we give you more details about its benefits and how you can request it.

What are the benefits of the debt purchase loan from Banco de la Nación?

• Offers a Fixed Annual Effective Rate (TEA) 9.90% and an Annual Effective Cost Rate (ACER) from 11.48%.
• Fixed monthly payment dates, through installments, there is also the option of total or partial advance payment.
• Payment of the debt can be through electronic transfer or by issuing a cashier’s check from Banco de la Nación.

What are the requirements to access the debt purchase loan?

We show you what documents you need to access this financing:

• Debit card MultiNetwork.
• DNI or immigration card, original and copy.
• Last pay slip of the worker or pensioner (original and copy) no more than four months old.
• If you are a worker and your entry date is after 03/10/2021, you must also present your latest original contract and certified copies of them. The documents must prove a minimum work experience of 13 months.
• Documents that certify the monthly payment you pay, so that it can be included in the evaluation of your payment capacity.

How to request this loan from Banco de la Nación?

We detail the steps to follow to access the loan:

1. Go to National bank closest to your home
2. Submit the required documents to the bank staff to go through the credit evaluation.
3. If the response is favorable, the amount will be disbursed to your savings account and Banco de la Nación will begin the debt payment process by electronic transfer or cashier’s checks.