Our loans are designed to be simple, fast, and flexible. They allow you to access short-term financing directly from the app, with clear conditions from the start and a fully digital process that can be completed in just minutes.
From application to repayment, the entire loan management process is handled transparently within the app, allowing you to review details, dates, and loan status at any time.
Below is a step-by-step explanation of how each stage works:
1. Who can apply for a loan?
Casia is available to residents of Argentina who:
Have a valid DNI (Documento Nacional de Identidad).
Complete identity verification (KYC) from inside the app.
Link an Argentinian bank account (CBU, CVU, or alias).
Complete the short onboarding interview.
Once these steps are done, you are eligible to apply.
2. Credit limit
The amount you can request depends on your profile and payment history. After onboarding, you start with a base credit limit set by Casia.
As you request and repay your loans on time, your credit profile improves, allowing you to qualify for higher amounts and better conditions in future applications.
Your credit limit increases progressively based on your consistency with on-time payments. The stronger your repayment history, the higher the amount you can access.
You can check your available credit limit at any time from the "Loans" tab within the app.
3. Application process
Applying for a loan in Casia is quick.
From the "Loans" tab, you can select the amount and duration that best fit your needs, review the conditions, and confirm your request.
The full process usually takes a couple of minutes, with no paperwork and no in-person steps.
4. Loan terms
Before confirming your request, you will clearly see:
The requested amount.
The loan duration (70, 112, 168, or 224 days - that is, 10, 16, 24, or 32 weeks).
The weekly installment amount.
The day of the week your installments are due.
The applicable interest rate.
The total amount to repay.
All this information is displayed transparently before you accept the loan. Nothing is hidden, nothing changes after you confirm.
5. Loan disbursement
Once your loan is approved, your funds are issued in US dollars and converted to Argentine pesos at the prevailing exchange rate at the time of disbursement. The pesos are then deposited directly into the bank account you linked during onboarding - your CBU, CVU, or alias.
There is no intermediate wallet or manual withdrawal step on your side. The money is available in your bank account and ready to use as soon as the disbursement is processed.
6. How do I repay my loan?
Repayment is structured as fixed weekly installments: the same amount, on the same day of the week, every week, until the loan is fully paid.
You can repay directly from the app on or before each due date. You can also:
Make early payments to reduce your total cost.
View all upcoming installments, due dates, and your remaining balance at any time from the "Loans" tab.
On-time and early payments improve your credit profile and unlock better terms on your next loan.
We recommend completing each payment on or before the due date to avoid additional charges.
7. What happens if you don't pay on time?
If an installment is not paid by its due date, a late fee begins to accrue the following day and grows progressively until it reaches its maximum.
Continued non-payment can result in additional consequences, including:
Being reported to credit bureaus.
Temporary suspension of your ability to request new loans from Casia.
Potential legal collection actions.
To avoid additional charges and protect your credit profile, we strongly recommend completing your payment on or before the due date. You will be able to apply for a new loan as soon as your current loan is fully paid.
8. Rates, fees, and representative example
Loans are offered exclusively to residents of the Argentine Republic, subject to credit policies. Loans are issued in US dollars and converted to Argentine pesos, with fixed weekly installments (French amortization system).
Loan amounts and terms
Minimum loan amount: $1 USD.
Maximum loan amount: $1,000 USD.
Minimum term: 70 days (10 weeks).
Maximum term: 224 days (32 weeks).
Interest rates
Minimum Annual Percentage Rate (APR): 8.15%. Annual Effective Rate (AER): 8.28%. Total Cost of Financing (TCFEA): 8.28%.
Maximum Annual Percentage Rate (APR): 26.07%. Annual Effective Rate (AER): 28.97%. Total Cost of Financing (TCFEA): 28.97%.
Representative example
A loan of $320 USD over 112 days (16 weeks). Interest: $16 USD. Representative APR: 16.29%. Total amount to repay: $336 USD, in 16 weekly installments of $21 USD each. The USD loan amount is converted to Argentine pesos at the prevailing exchange rate at disbursement.
Late payments
Late or missed payments will incur additional fees, may be reported to credit bureaus, and may affect your eligibility for future loans.
Legal
Terms of service: https://divine.inc/terms
Privacy policy: https://divine.inc/privacy