Simulate online, lock in your rate, and get your credit with zero red tape.

The Banco Macro personal loan is a popular option in Argentina for people looking for peso credit with free use and fixed installments.

Amounts and terms change depending on your profile, like salary clients, retirees, or open market customers, which directly affects the rates.

Beyond interest, there are indicators like TNA, TEA, and CFTEA that show the real cost and make it easier to compare terms.

Want to discover all the benefits of this loan? Check the conditions, run a simulation, and see if Banco Macro personal loan fits your plans.

Category	Details
Amount	Up to AR$32,000
Term	Up to 72 months
TNA	Variable between 60% and 88%
TEA	Variable between 79,59% and 133,78%
CFTEA	Variable between 102,36% and 177,37%

Get to know Banco Macro personal loan: fast credit, high amounts, and fixed installments

The Banco Macro personal loan is a product from Banco Macro S.A., in pesos, with fixed installments and free use.

Banco Macro is part of Grupo Macro, one of Argentina’s largest private banks, with a long track record and strong nationwide presence.

It ranks among the country’s leading financial institutions by assets and customers, which supports its solid local credibility.

For anyone aiming to organize their budget, Macro offers long terms and simple contracting, with both digital and in-branch support.

Main benefits of Banco Macro personal loan

The main benefits of Banco Macro personal loan show up when you need credit that is fast, clear, and sized to your budget.

It combines freedom of use with conditions that vary by profile, helping turn urgent plans into achievable goals without stress.

Free use of the money

You decide where the funds go, whether to pay off debts, fix up your home, or cover an unexpected emergency with total freedom.

With Banco Macro personal loan, you do not have to prove how you spent it, so the money works in your favor.

That flexibility helps you focus on what matters most right now, without rigid categories or special approvals for the purpose.

If you have several goals, you can split the amount between needs and wants while keeping one organized contract.

High amounts available

The limits offered are usually high, which is great for bigger projects like buying equipment, moving, or consolidating family debts.

With more money released at once, you avoid taking several smaller loans and cut down on monthly financial clutter.

The bank reviews your income and history, so the final ceiling matches your real ability to pay.

When there is a pre-approved offer, the amount already fits your profile, speeding up access to credit right away.

Long terms to pay

Some terms can stretch for years, which makes the installment smaller and easier to fit into your routine.

With more months, you gain breathing room to organize expenses without cutting essential family needs.

You can simulate different terms and choose a balance between a comfortable payment and a reasonable total cost.

If your income changes, longer terms reduce the risk of late payments because the monthly burden is lighter.

Fixed rate and predictable installments

A fixed rate means your payment will not change through the contract, helping you plan with real peace of mind.

It protects your budget from surprises and avoids the swings common in variable-rate lines.

You know from day one how much you will pay, which helps you compare terms calmly in the app.

For people who like control, stable payments are more predictable than revolving cards or overdrafts.

Better conditions for customers with a relationship

Clients who receive their salary or benefits at the bank usually get lower rates, since they already have positive internal history.

That can lower your total cost a lot, especially on shorter terms when you keep your account active.

The bank also grants higher limits to people who regularly use its services, like cards, the app, and investments.

Having a relationship makes renegotiating or paying early easier, since support knows your profile up close.

Fast and digital application

You can apply through the app or website, with a simple simulation and quick answers for many customers.

If a pre-approved offer is available, you accept in a few taps and the money lands in your account within minutes.

That removes branch lines and heavy paperwork, making the process smoother and more comfortable.

Still, you can apply in person if you prefer, with real help to clear up doubts on the spot.

Installments debited automatically

Payments are debited from your account on the agreed date, helping you not forget important due dates each month.

This keeps your contract current and avoids penalties, as long as you leave enough balance in the account.

With Banco Macro personal loan, automatic debit also simplifies your routine because you do not need to generate bills monthly.

If anything unexpected happens, it is worth notifying the bank before the due date to find options without harming your credit.

Eligibility requirements to apply for Banco Macro personal loan

Before releasing credit, Banco Macro checks a few basic points to make sure the loan fits your profile.

• Be over 18 and have a valid Argentine DNI, with your personal data updated.
• Show steady income, whether from salary, retirement or pension, or formal self-employment.
• Keep an active relationship with the bank, such as an open account, frequent use, or salary or benefit deposits.
• Have your credit history in good shape, with no serious recent delinquencies and enough capacity to pay installments.

If you meet these criteria, your approval odds rise and a ready offer may even show up in the app.

Step by step to apply for Banco Macro personal loan

Requesting a loan at Macro is quick and can be done by phone, no hassle.

• Go to the Banco Macro app or website: find the personal loans area.
• Simulate the amount and term you want: review the installment and total cost.
• Confirm your data and send documents: if the system asks for proof.
• Accept the offer on screen: if approved, the money goes straight to your account.

After that, just track everything in the app and keep balance on the due date to avoid extra interest.

Applicable rates for Banco Macro personal loan

Today we will go over the rates that apply to Banco Macro personal loan and how they affect your final installment amount.

With clear numbers and simple explanations, you will know how to compare terms, avoid surprises, and pick what fits your budget.

TNA

TNA is the nominal annual rate, used as the bank’s starting reference to calculate interest on the full loan.

In Banco Macro personal loan, TNA varies by profile and term, ranging from 60% to 88% per year today.

Short terms usually have a lower TNA, while longer terms raise the rate because risk and time naturally increase.

Even though it helps, TNA does not show the full cost; it is only a first step for comparing offers.

TEA

TEA is the effective annual rate, which accounts for interest compounding and shows better what you really pay.

At Banco Macro, TEA on personal loans sits between 79.59% and 133.78% per year, depending on term and segment.

When you compare banks, TEA is more useful than TNA because it clearly reveals time’s effect on installments.

If two offers have similar TNA, choose the lower TEA, since it means a lighter true annual cost.

CFTEA

CFTEA is the total effective annual financial cost, adding interest, fees, and taxes to show the full price of credit.

At Macro, CFTEA ranges from 102.36% to 177.37% per year, and that band shifts with audience and total duration.

It is the most important metric because it already includes VAT and charges, so you do not underestimate the real final amount.

To decide well, compare two terms by CFTEA and see which one gives the right balance between payment and total cost.

Late payment rate

The late payment rate includes default interest and possible penalty charges, applied when an installment is not paid on time.

At Banco Macro, there is no single percentage published in the fee schedule, because it varies by contract and current rules.

So before signing, ask in the app or at the branch for the exact late fee rate for your case.

Keeping balance in your account avoids extra charges on Banco Macro personal loan and protects your credit record at the bank.

Conclusion

With Banco Macro, you get flexible credit, predictable installments, and simple contracting, perfect for planning without losing control today.

By comparing TNA, TEA, and CFTEA, you see the real cost and choose the term that weighs least on your budget.

Remember to simulate first, keep balance on the due date, and use the money with purpose, so credit becomes a real ally.

Liked it? Want to explore more loan options? Check the next article and see how Banco Galicia personal loan works.