Tips for Avoiding Scams When Seeking a Reliable Loan App, According to Condusef

In today’s era, the ubiquitous presence of technology has transformed our daily routine, simplifying tasks like payments and transfers through digital solutions. However, in the field of security and safeguarding of personal information, not all apps are equally reliableespecially when it comes to applying for loans online.

In this context, the National Commission for the Protection and Defense of Users of Financial Services (Condusef), an entity that not only watches over the rights of those who require loans in Mexico, but also establishes an exhaustive registry of financial providers. This process ensures that only those that meet rigorous security standards are considered as viable options.

Before entering the world of online loans, Condusef presents a series of recommendations that are invaluable for the general public. These simple guidelines, outlined by the institution, are designed to prevent potential fraud and ensure a safe experience. One of the essential premises lies in the fact that all legitimate financial institutions offer “regulated” sums of money. This means that the amount of the loan is adjusted to the needs and abilities of the applicant, thus avoiding the placement of unsustainable debts. If offers are found that contradict this principle, it is a clear sign of an unreliable entity.

The detailed analysis of the credit history it is a common practice for lenders, which ensures both the borrower’s ability to pay and timely repayments. If an entity skips this crucial step or requires a prepayment for the loan, it may not be a safe choice.

Caution in the disclosure of personal information is equally essential. In cases of scams, perpetrators may require documents such as proof of income, under the promise of granting an immediate loan. However, these actions often result in loss of money without obtaining the promised loan.

In the scenario where the application for a loan is considered through mobile applications, it is essential review the permissions and actions that are authorized to these applications. Some of these apps can access personal data such as contacts and gallery, which raises privacy and security issues.

What apps are trustworthy?

Now, in reliable options, some of the financial loan applications that have obtained the approval of the driving son:

• Kueski: This online platform offers loans of up to 20,000 pesos in minutes. To do this, evaluate your credit history and the purpose of the loan. Funds are deposited into the applicant’s bank account.

• Market Payment: Operating under the umbrella of Mercado Libre, this institution offers certain loan limits. In addition, it offers payment options for services and telephone recharges on credit, with the convenience of making payments at authorized stores.

• Doopla: With a credit range of 10,000 to 300,000 pesos and terms of up to 36 months, Doopla facilitates the simulation of loans on its online platform. This tool allows users to know both the interest rate and the payment fees associated with the amount requested.

Ultimately, it is crucial to highlight that these applications are just some of those that have obtained the support of the System of Financial Services Providers of the driving. To verify the legitimacy and security of any other application, it is highly recommended to cConsult the official website of the institution before committing to a loan. This prudent approach will ensure that technological tools are used with complete confidence and security.

WITH INFORMATION FROM EL UNIVERSAL