{ "title": "Kavak and Creditaria join forces to open access to credit for millions of Mexicans excluded by traditional banks", "modified_at": "2026-02-09 21:03:04", "published_at": "2025-11-18 18:48:00", "url": "https://news-room.kavak.com/kavak-and-creditaria-join-forces-to-open-access-to-credit-for-millions-of-mexicans-excluded-by-traditional-banks", "short_url": "http://prez.ly/Ou6d", "culture": "en", "language": "EN", "slug": "kavak-and-creditaria-join-forces-to-open-access-to-credit-for-millions-of-mexicans-excluded-by-traditional-banks", "body": "\n \n
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Mexico City, November 18, 2025 – Kavak, the digital ecosystem transforming the car ownership experience, and Creditaria, Mexico’s largest financial intermediary, announced a strategic alliance to make access to credit more inclusive and transparent.

With annual rates starting at 14.99% for auto and 24.99% for personal loans, the latter up to 40% below the national average), the partnership offers more competitive, technology-enabled credit solutions designed for the millions of Mexicans who remain excluded from the traditional financial system.

 

 

In Mexico, more than half of credit applicants are rejected by banks due to limited or negative credit histories. Personal loan rates can reach 60% annually, according to Condusef, forcing many to rely on costly or informal financing. \u200b Facing this reality, millions of families lack options to strengthen their financial stability or access a vehicle.

 

 

The Kavak-Creditaria alliance seeks to address this challenge by combining Kavak’s proprietary technology for loan origination and risk assessment with Creditaria’s national network of over 1,000 offices and 2,500 certified advisors. This hybrid model allows customers to receive fast, personalized evaluations and obtain funding in a matter of days, with in-person support available nationwide.

This partnership expands Creditaria’s product portfolio with two new credit solutions: auto loans for the purchase of pre-owned vehicles and personal loans secured by the customer’s car, which provide liquidity without requiring them to give up the vehicle. Both products are designed to offer flexible, transparent, and responsible financing, tailored to each customer’s real needs and focused on strengthening household financial stability.

Vehicle owners can access liquidity for up to 60% of their car’s value, while auto loans offer rates starting at 14.99% annually and an approval rate of 80%, 50% higher than that of traditional banks. In addition, Kavak does not use credit bureau records as an exclusion criterion, allowing more people to build or rebuild their credit history responsibly.

 

“At Creditaria, we believe that access to credit should not be a privilege. Our alliance with Kavak combines the best of both worlds: the proximity and guidance of our experts with Kavak’s technology and agility. \u200b This allows us to help every customer compare market alternatives, make informed decisions, and access the credit solution that best fits their needs. Together, we are building a new era of financial inclusion in Mexico,” said Romain Benenati, Deputy CEO of Creditaria México.”
“With this partnership, we aim to democratize access to credit across Mexico by offering fairer and more accessible products for all types of customers. For years, only high-income individuals have had access to loans with competitive rates, while most people have had to rely on costly or informal alternatives. We want to change that reality and build a more inclusive financing model that opens the doors to responsible and sustainable credit for everyone,” added Carlos García Ottati, Founder and CEO of Kavak.

About Creditaria México:

Creditaria Mexico is a leading financial brokerage firm specializing in the advisory and management of financial products, including mortgage loans, SME financing, insurance, investment funds, and auto loans. Recognized as the most prominent financial broker in the country, the company operates 1,000 offices nationwide, providing complimentary advisory services and product management through a network of more than 2,500 certified consultants. Creditaria also maintains over 45 strategic partnerships with Mexico’s most reputable financial institutions.

Learn more at: https://www.creditaria.com.mx/

Media contact

Karina Marrón | Relaciones Públicas

relacionespublicas@creditaria.com

Cel: 56 34683281]

 

Media Contact

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\"Christina
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\n Christina Darvasi\n Communications Global Director, Kavak\n \n
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