Overview

• Banco Nación’s Adelanto de haberes advances range from ARS 1,000 to ARS 500,000 with immediate funding through the BNA+ app and automatic cancellation upon the next pension deposit.
• Banco Provincia’s simulator offers loans up to ARS 10,000,000 over terms up to 72 months at a fixed 79% nominal annual rate, implying an effective annual cost near 115%.
• Banco Ciudad advertises personal loans up to ARS 2,000,000 at a 73% nominal rate over terms up to 60 months with automatic monthly debits.
• Eligibility hinges on receiving ANSES payments at the lending bank, activating a digital key for online processing and authorizing installment debits from the pension account.
• These digital offerings accelerate inclusion yet carry high interest rates and large monthly obligations that pose affordability risks for low-income ANSES payees.