The 4 loans offered by Banco de la Nación: what are the requirements to access in 2024?

If you are interested in applying for a loan, take note. Banco de la Nación offers a variety of loans aimed at public sector workers and retirees who receive their pension through the State. Therefore, if you are looking to start a project, pay debts or simply need cash, this information will be very useful to you.

In total, there are four available financial products that will help you cover expenses or make short and long-term investments: student credit, debt purchase, payroll discount and freely available loans. Below, we provide you with the information you need to know about interest rates, requested requirements and the step-by-step process to request a loan at Banco de la Nación this 2024.

What are the 4 loans offered by Banco de la Nación?

1) Loan Purchase of debt

This option is aimed at those users who have a normal rating, as well as for those who have possible financial problems in the risk center of the Superintendency of Banking and Insurance. Along these lines, the return period can be extended to a maximum of 60 months and the amount you can request reaches up to S/50,000. Of course, it is an essential requirement to first undergo a credit evaluation.

Look at the requirements to access the Debt Purchase loan

1. The user must have a BN MultiRed debit card.
2. Present the documents that support the monthly payment of the fee, which will be considered in the evaluation of the payment capacity, as well as its transfer.
3. Last payment receipt, no older than 4 months (original and copy).

2) Classic MultiRed and/or agreements

This freely available financing offers public sector employees and retirees the opportunity to access a loan that varies from S/300 to S/99,999. Depending on a previous credit evaluation, the term for your return may be extended up to 60 months.

Know the requirements for the classic MultiRed loan and/or agreements

1. Possess a debit card issued by Banco de la Nación.
2. They must show their national identity document or a copy of their immigration card.
3. Present both the original and a copy of the most recent salary slip, which must not be older than 4 months.
4. CAS employees who have been hired on or after March 10, 2021 must prove a minimum stay of 13 months in the entity. To do this, it is necessary to show the most recent contract in its original form or a copy of the corresponding addendum.
5. Those CAS workers who joined the institution before March 10, 2021 are exempt from submitting these documents.

3) Student loan

Banco de la Nación offers its clients access to credit for a wide range of educational programs. These include technical specialization courses, undergraduate and postgraduate studies, doctorates and the expenses associated with obtaining a master’s degree, among other training options. The costs covered include registration, registration, administrative procedures, among others. Beneficiaries can finance from 20% or a minimum of S/300, up to 100% of the total cost of the selected educational program.

1. Possess a MultiRed Debit card from Banco de la Nación, linked to the Visa network.
2. Show the National Identity Document or the immigration card (original and copy).
3. Present the most recent payment receipt, which must not be older than four months (original, copy or digital)
4. Have the ‘Pre-Registration’ format provided by the corresponding educational institution, with the appropriate seal of approval.
5. CAS employees who joined the entity on 03/10/2021 onwards need to prove a minimum length of service of 13 months, by presenting their most recent contract in original and/or addendum(s) or legalized copies.
6. Those CAS workers who began their employment relationship before 03/10/2021 are exempt from this last stipulation.

4) Payroll discount loan

The Banco de la Nación provides its clients with access to credits with a direct salary discount. The amounts available vary between S/300 and S/50,000, and reimbursement can be made in fixed monthly installments, determined by a prior evaluation.

Requirements to access the payroll discount loan

1. Possess a MultiRed debit card issued by Banco de la Nación.
2. Show your DNI or immigration card (original and copy).
3. The most recent pay slip must be shown—applicable to both workers and pensioners—not older than four months (original and copy).
4. Employees under the CAS regime who began working at the entity as of 03/10/2021 must provide their most recent contract in its original form, addendums and/or certified copies that verify a minimum stay of 13 months at the institution.
5. Have the documents supporting the debts that you wish to settle or unify (original and copy).
6. Present the latest or most recent credit card account statement, provided by the corresponding financial institution.
7. For freely available consumer loans, it is mandatory to present proof of debt settlement containing details such as the total outstanding balance, customer information and the contract or credit number.