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Aviva Crédito
Aviva Crédito originates small personal loans in Mexico via a network of 100+ video-call kiosks, bypassing branch-based banking.
Aviva Crédito
Aviva Crédito provides short-term consumer loans to individuals in Mexico through a physical network of self-service kiosks. Borrowers visit a kiosk, complete a video interview, and receive loan offers paid directly to their accounts. The company targets personal, small-business, home-improvement, and discretionary-purchase financing. Loan sizes and terms are not publicly disclosed. Aviva's model emphasizes rapid origination and a digital repayments app, positioning it as an alternative to both traditional bank credit and branch-based microfinance. The platform operates nationwide through more than 100 kiosks. No public information is available on funding sources, investors, or total capital deployed. The firm does not disclose lending volumes, portfolio performance, or organizational scale beyond its kiosk count. Aviva's structural distinction lies in its hybrid physical-digital origination chassis: the kiosk network creates a distributed presence without the cost of full branches, while centralized underwriting and app-based servicing keep operating leverage high relative to a conventional consumer lender.
General information
Firm type
Asset Manager
Year founded
—
AUM
Undisclosed
Location
Region
Latin America
Country
Mexico
City
—
Corporate office
Mexico
Sector focus
Frequently asked questions
How does Aviva Crédito originate loans?
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.
What types of loans does Aviva Crédito offer?
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.
Does Aviva Crédito serve borrowers outside Mexico?
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.
Who funds Aviva Crédito's loan book?
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.
Is Aviva Crédito a bank?
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.
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