Fintech Credit Surges in Argentina: Over 5 Million Users Drive Record Growth

More than one in four credit users in Argentina now relies on fintech platforms. The digital boom has already reached over 5 million customers and continues to expand steadily.

A market experiencing rapid growth is confirmed by the Argentine Fintech Chamber, which reported that fintech loans reached 5.2 million people in the first quarter of 2025. This figure marks a 65% year-over-year increase and represents 27% of all borrowers within the financial system.

The profile of users shows that four out of ten are young people. Specifically, individuals between 18 and 39 years old make up 53.5% of fintech customers, a level 20 percentage points higher than traditional banking. Meanwhile, the 40–59 age group accounts for 38.4%, and only 8.1% of borrowers are over 60.

Women also play a leading role in this digital credit ecosystem. They represent 53.3% of loan recipients, surpassing men, who make up 46.7%.

The growth can also be seen in the number of transactions and amounts granted. There were 5.7 million transactions recorded, reflecting a 68% increase compared to 2024. The average loan amount reached $424,090. When including banking fintechs, the total volume of loans climbed to 6.1 million.

Fintech services are not limited to individuals

SMEs and companies are increasingly adopting them as well. Legal entities registered a 36% year-over-year rise, with 5,038 firms obtaining loans. The average amount granted to this sector reached $44 million.

Another important aspect highlighted in the report is the stability of the portfolio. Despite the strong expansion, delinquency levels have improved. Bad debts closed at around 4% in March 2025, showing that the sector is managing its growth responsibly.

The Argentine Fintech Chamber emphasized that fintech credit continues to consolidate its position as a driver of financial inclusion. By reaching young people, women, and SMEs, this sector is expanding access to financing and strengthening its role within the country’s financial landscape.

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(Featured image by Austin Distel via Unsplash)

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First published in ROADSHOW. A third-party contributor translated and adapted the article from the original. In case of discrepancy, the original will prevail.

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