Your payment due date
Your due date is the one you chose when you applied and it is written into your contract. Pay on that day or earlier: each payment method has its own posting times, so do not leave it to the last moment.
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Your online loan, no surprises
From MX$200.00 up to MX$10,000.00 on your first loan. Up to MX$30,000.00 as a returning customer.
How much do you need?
Mexican pesos
From MX$200.00 to MX$30,000.00. Your first loan can go up to MX$10,000.00.
Improve your chances of approval by downloading the app
Informational calculation.Subject to credit approval.See costs and fees · Privacy Notice
You choose your amount, you see your payment due date and your total cost, and only then do you decide. No guarantor, no paperwork.
- No guarantor, no paperwork
- Just your INE and your CLABE
- See your amount and payment date before you apply
Subject to approval. Check the CAT and the total cost before you accept.
How it works
Four steps, all from your phone and without visiting a branch.
Choose your amount and fill in the application
Set the amount and the term, and enter your details. We confirm your mobile number with a code sent by SMS.
Identify yourself with your INE
Photograph both sides of your valid INE, legible and complete. We take your details from it — you do not have to type them again.
Confirm it is you
A selfie to prove the ID is yours. This is the step that stops someone else taking out a loan with your documents.
Receive your deposit
If we approve your application, we send the money by SPEI transfer to the CLABE of a debit account in your name.
This is how Moni operates. Anything else is fraud.
Before you pay anything or hand your details to anyone, check these four rules.
Only on moni.mx
We grant loans solely through moni.mx and our official support channels. We do not work with intermediaries, brokers or agents.
We never ask for money up front
We do not charge to review your application, to “release” a deposit, or for insurance or memberships beforehand. If anyone asks you for that in Moni’s name, it is fraud.
We never ask for passwords or codes
We will not ask you by email, SMS or WhatsApp for your passwords, your access codes, your PIN or your full card details.
Verify before you reply
If a message makes you doubt, do not click its links: write to us through the customer support channels at the bottom of this page and we will confirm whether it came from us.
Moni grants loans exclusively through moni.mx. We do not operate with intermediaries and we never request money up front. We will never ask you by email for your personal data, account numbers or passwords.
Requirements
What you need
- Be of legal age and reside in MexicoPersonal loans are contracted within the Mexican Republic.
- Your valid INEOne photo per side, legible and without cropping the corners.
- A debit account in your nameThat is where we deposit your loan by SPEI, so the CLABE must be in your name.
- A mobile number and an email address of your ownWe use them to confirm your identity and to remind you of your payment date.
- Your CURP and your RFCWe take them from your documents; you do not have to hand in printed copies.
What we do NOT ask for
- A guarantor or joint obligor
- A visit to a branch or an office
- Paper receipts or certified copies
- A perfect credit history
We do check your credit history and other sources to decide. Meeting the requirements does not guarantee approval.
Costs and fees
Here is what your total cost is made of: interest for the days you use the money, any applicable fees, and VAT.
CAT
AVERAGE CAT 2,547.3% excluding VAT · For informational and comparison purposes only · Calculated as of 2026-07-01 on a loan of MX$2,000.00 M.N. over 14 days. Fixed annual interest rate 328.5% excluding VAT. Fees: MX$0.00. Total amount payable: MX$2,292.32 M.N. Mexican pesos
| Fee | Amount or percentage | Calculation base | When it is charged | Frequency |
|---|---|---|---|---|
| Origination fee | 0% | loan amount |
Fees that cost nothing today are in the table as well, with their value and their concept, so the list is complete.
- Interest rates
- Ordinary and default interest are calculated on outstanding balances.
- Default interest
- Among the implications that could result from non-payment are: (1) Default interest at a fixed annual rate of 120%, equivalent to 0.33% daily; (2) Collection efforts to the customer’s phone and home address; (3) Damage to the credit history; (4) Legal implications arising from breach of contract.
View amortisation table
| Payment date | Amount due | Principal | Ordinary interest | VAT | Outstanding balance |
|---|---|---|---|---|---|
| October 5, 2026 | MX$2,292.32 | MX$2,000.00 | MX$252.00 | MX$40.32 | MX$0.00 |
Mind your capacity to pay. As a general rule your combined credit payments should not exceed 35% of your periodic income; the costs of default are very high
Failing to meet your obligations may generate fees and default interest
How to pay
These are the payment methods most used for online credit in Mexico. The one that applies to your loan, with your reference and your exact amount, appears in your account and in your contract.
Payment methods
An electronic transfer from your bank’s app or portal. It is the same system we use to pay you.
- Open your bank’s app and choose to transfer to another institution.
- Enter the CLABE and the reference shown in your Moni account.
- Enter your payment amount, transfer, and keep the receipt.
A cash payment at an OXXO store counter, using your loan reference. The store may charge its own service fee.
- Look up your payment reference and amount in your Moni account.
- Tell the cashier you are making a service payment and read out the reference.
- Pay in cash and check that the receipt carries your reference before you keep it.
An online payment with your debit card, from your Moni account.
- Sign in to your Moni account and choose to pay by card.
- Enter your debit card details and your payment amount.
- Confirm the payment and keep the receipt we send you.
The CLABE, the reference and how long your payment takes to show up appear in your account and in your contract: they are details of your loan and they change from case to case. Always keep your receipt.
If you do not pay on time
If you can see you will not make your date, write to us beforehand: with notice we can review your case. These are the consequences the law requires us to state plainly.
Failing to meet your obligations may generate fees and default interest
Among the implications that could result from non-payment are: (1) Default interest at a fixed annual rate of 120%, equivalent to 0.33% daily; (2) Collection efforts to the customer’s phone and home address; (3) Damage to the credit history; (4) Legal implications arising from breach of contract.
Early repayment
The terms for paying before your due date, in full or in part, are in your contract. Write to us and we will calculate the exact amount for the day you want to pay, along with your reference.
My payment is not showing up
Keep your receipt and write to us with the date, the time, the amount and the reference you used. With those details we locate the payment and confirm when it has been applied. While it is being sorted out, do not pay the same amount again.
Why Moni
You see the cost before you apply
The amount, term and payment date calculation lives on this page: you can use it without registering and without leaving us your details.
You pay without changing your routine
The steps for each payment method are written right here, with your reference in view once your loan is active. No guessing where to transfer.
You reach us on WhatsApp
Customer support by WhatsApp, email and phone. You write from the same phone you applied with — no queues and no switchboard.
Your limit grows when you pay on time
Your limit rises at each renewal when you pay on time, up to the returning-customer maximum.
Frequently asked questions
Your cost is made of three things: the interest for the days you use the money, any applicable fees, and the corresponding VAT. Before you sign you receive your offer with the full breakdown, your total amount due and your due date. If it does not suit you, you do not accept it: applying costs nothing.
The CAT (Total Annual Cost) expresses the cost of credit — interest and fees — as a single annual percentage, so you can compare offers from different companies on the same measure. It looks high on short loans because it annualises a cost you pay over a few days: what really leaves your pocket is the pesos of interest for that term, and that amount appears in your offer and in your contract. The CAT is informational and exists for comparison.
Be of legal age and reside in Mexico, a valid INE, a debit account in your name to receive the deposit, a mobile number and an email address of your own, and your CURP and RFC. We do not ask for a guarantor, you do not have to visit a branch and you do not need paper receipts. We do check your credit history and other sources to decide: meeting the requirements does not guarantee approval.
First we review your application and your documents. If we approve you, we send the money by SPEI transfer to the CLABE you registered, and how long it takes to show up depends on your bank and on when the transfer left. In your account you can follow the status of your application and of your deposit, with a timestamp for each step.
Whichever method is enabled for your credit: SPEI transfer from your bank’s app, cash at a convenience store counter, or debit card from your Moni account. The one that applies to your loan, your reference and your exact amount appear in your account and in your contract. If you pay in cash, the store may charge its own service fee. Always keep your receipt.
Failing to meet your obligations may generate fees and default interest. Among the implications that could result from non-payment are default interest, collection efforts to your phone and your home address, damage to your credit history, and legal implications arising from breach of contract. The default rate and the day of delay on which it starts to accrue are in your contract. If you can see you will not make your date, write to us beforehand: with notice we can review your case.
The terms for early repayment, in full or in part, are written into your contract. Write to us and we will calculate the exact amount for the day you want to pay, with the reference you should use. Once the payment is applied we confirm it through the same channel.
We process your data to assess your application, perform the contract and meet legal obligations, in accordance with our Privacy Notice. If your application is not approved, we keep only the information the law obliges us to keep, for the period the law itself sets, and after that it is deleted or anonymised. The Privacy Notice lists the applicable purposes and transfers: there you can check with whom your data is shared and for what. You may exercise your ARCO rights — access, rectification, cancellation and objection — through the means that same notice indicates.
Run your numbers and decide
You choose your amount and your term, you see your due date and your total cost, and only then do you decide. Applying costs nothing and commits you to nothing.
- Loan amount
- MX$2,000.00
- Payment due date
- October 5, 2026
- Total due on October 5, 2026
- MX$2,292.32
Applying costs nothing.
By continuing you accept the processing of your personal data under our Privacy Notice. Read the full notice for the purposes, the transfers, and how to exercise your ARCO rights.