Self-employed people and independent professionals have a new opportunity to access personal loans in pesos, with fixed installments and affordable conditions. In November 2025, BBVA, Provincia and Ciudad banks, together with the Naranja X digital platform, offer financing with amounts of up to $70,000,000. These lines of credit are intended to finance everything from personal consumption to investments in professional activities, purchase of inputs or to cover unforeseen expenses.
The requirements and rates vary depending on the bank or financial institution, but they all adjust to the tax and credit profile of the applicants, with special emphasis on work seniority, declared income and financial behavior.
Loans for self-employed people at BBVA: up to $70,000,000
He BBVA stands out for offering personal loans for both professionals and merchants and self-employed workers. lApplicants can access a loan of up to $40,000,000 through digital channels, or up to $70,000,000 if the application is carried out in a branch. One of the most relevant advantages of this credit is the possibility of carrying out the entire procedure completely digitally, from the simulation of the loan to its application.
The conditions are attractive, with a payment term that can range between 6 and 60 months, and a fixed rate of 138% TNA. However, certain requirements must be met, such as having at least two years of verifiable activity and a minimum monthly income of $308,200.
Banco Provincia and Naranja X: alternatives with flexible rates and terms
He Province Bank It also offers loans for the self-employed, especially aimed at those who are registered as monotributistas or self-employed with at least 12 months of registered activity. The amounts may vary depending on the activity and type of billing, but are within an accessible range for microbusinesses. The TNA interest rate varies between 79% and 86%depending on the amount and duration of the loan.
For its part, Naranja X offers a 100% online solution for those self-employed who need a quick loan. With a maximum amount of $9,000,000, loans are granted immediately through their app, with an interest rate that ranges between 55% and 153%.
Requirements and how to apply for loans
To access these loans, the self-employed must meet a series of requirements, which include being registered as monotributistas, having minimum income that varies depending on the entity and not presenting debts in an irregular situation. In the case of Naranja X, for example, it is necessary to validate the identity through a selfie to complete the application process. The ease and speed of accreditation is one of the main advantages of this option, which can be managed completely from your mobile phone. (With information from TN)
