In a context in which the illegal, informal and extortion “bank” moves S/8,000 million in the market, according to the denounced the microfinance; The Superintendence of Banking, Insurance and AFP (SBS) explained that during 2024 they received a total of 4,014 communications on consultations and Complaints of informal money collection activities.
In detail, the regulatory entity said that 1,054 complaints correspond to illegal financial schemes, composed of 774 Informal applications98 illegal money collection schemes, 49 fraudulent loans and 133 of other modalities.
In addition, January, March and April are the months with the highest volume of complaints, because customers have an extra income.
“Many of these people are contacted in December when the public has more money by the CTS or Gratifications. That is why January is the month in which we have received the greatest number of complaints and consultations, “said Carlos Cueva, head of the SBS Contentious Affairs Department.
He added that entities seek to capture savings in exchange for a gain or a profitability which is usually above what the market can pay.
SBS: 18 applications with extortion loans
In addition, in a more current report, so far from 2025, 18 mobile applications have appeared that offer loans with extortion collection methods. They disburse credits without the client requesting or authorizing it.
“They offer you loan without major requirements, snapshots, with very wide terms of return and very low rates,” he said.
More than 1,000 complaints of illegal financial schemes, according to the SBS.
When delivering personal information, he details, a crucis route begins for customers, because they deposit in his account loan amounts, without having requested them.
“On the days they come with a very high rate and begin to make requirements that we call extortion. If you do not return the money, they charge you more interest and more blackberry,” he said.
The Superintendency detailed the list of the 18 new Applications Mobile that disburse informal loans with Extortive collection methods:
- Credit Sol – Loans online
- Accreditaya – Easy Loan
- Credit Silk – Personal Loan
- Picchu Cash – Easy Loan
- HISOL – Senior Loans
- Rayo Loan – Security
- Smart Loan – Fast
- Prestasueños – Simple loan
- Chambasol – Quick Money
- Easy Crédpe – Extreme loans
- Star – money
- Ekecrediyo – Personal loan
- Loan hand – Quick Credit
- Logging: credit without history
- EnjoyCrédito – Easy loan
- TOPPRESTA – Fast Credit
- Fielsol – Quick Loan
- Mastersol
Google closed 79% of informal loans apps
In 2023, the SBS made the company Google eliminated 60% of the reported informal applications, while in last year 79% efficacy was reached.
“The promotion (amounts) made Coordinator for informal activities of the SBS.
He indicated that they are interest rates that range between 60% and 80%. “They are the rates they offer, but then, when the collection time comes, they put any amount to become an unpayable debt, applying already extortion methods“Carlos Cueva emphasized.
He acknowledged that these informal entities for capturing money “Millions of soles move”, although calculating the exact amount is complicated due to its magnitude.
However, he explained that, according to the Fiscal Act, in one of the schemes intervened by the SBSonly the contracts found that day added around S/ 4.5 million in one of the agencies, although the real figure must be much higher.
Source: Larepublica
Alia is a professional author and journalist, working at 247 news agency. She writes on various topics from economy news to general interest pieces, providing readers with relevant and informative content. With years of experience, she brings a unique perspective and in-depth analysis to her work.
