Aviva Crédito

Borrowers initiate the process at one of Aviva's physical kiosks, where they complete a video interview with a representative who assesses their needs. Approved funds are deposited directly, and borrowers manage payments through Aviva's mobile app. The process is designed to be branchless and entirely self-service.

Aviva markets four product categories: personal day-to-day expenses ('Aviva tu día a día'), small-business capital ('Aviva tu negocio'), consumer purchases ('Aviva tu compra'), and home-related spending ('Aviva tu casa'). All are positioned as short-term, small-balance loans.

The kiosk network and all marketing are specific to Mexico. No offices, kiosks, or lending operations have been announced for other jurisdictions, making it a purely domestic Mexican consumer-finance platform.

Aviva does not publicly identify any funding counterparties, warehouse lenders, asset managers, or venture-capital backers. Without public disclosures, the capital structure behind the lending operation remains unknown.

Aviva does not hold a banking license that would allow it to take deposits. It functions as a non-bank financial company (Sofom or similar Mexican designation), providing credit directly to consumers without a deposit-taking arm.