Apply today, get it right away, and pay comfortably on the term you choose.

Banco Galicia Personal Loan is a straightforward option for anyone who needs personal credit in Argentina, with fast approval and no hassle.

The product is fully online, lets you simulate amounts and terms in the app, and adjust the installment to your available budget.

With high limits and terms up to 72 months, it fits both emergencies and bigger plans, always with real cost shown by the CFT.

Now that you know the basics, explore all details, rates, and real conditions of the Banco Galicia Personal Loan.

Categoria	Mínimo	Máximo
Quantia	AR$10.000	AR$ 24.800.000
Prazo	6 meses	72 months

Get to know Banco Galicia Personal Loan: high limits, fixed installments, and instant contracting through the app.

Banco Galicia Personal Loan is Banco Galicia’s credit line, designed to handle surprises quickly in daily life.

It belongs to Grupo Financiero Galicia, one of the country’s largest private banks, trusted for decades by families and businesses.

In Argentina, Banco Galicia Personal Loan stands out for the bank’s strength, nationwide presence, and a brand respected for years.

With digital contracting and long terms, you simulate in the app, compare CFT, and pick the installment that fits your pocket.

Main benefits of Banco Galicia Personal Loan

Banco Galicia Personal Loan brings clear advantages for anyone who needs money fast, with costs under control from the start.

In this section, you will see real benefits of the product, explained simply, so you can decide safely and quickly.

Free use

You can use the credit however you want, without receipts or explanations, perfect for emergencies, renovations, or studies.

With Banco Galicia Personal Loan, the money hits your account and becomes an easy way to clear expensive debts fast.

That freedom helps you focus on what hurts your budget most, staying flexible while restoring peace to your finances.

If your income varies, choosing the destination lets you adapt month by month and avoid new cash squeezes later.

100% online and very fast contracting

The request happens in the app or home banking, no lines, and the bank usually answers within minutes.

You pick amount and term, confirm with your token, and sign digitally, no paperwork or branch visits needed.

If approved, the money lands right away, which helps when timing really matters and you need to act now.

This digital setup also lets you simulate as many times as you want until the installment feels right.

Long and flexible terms

The bank offers terms that can reach 72 months, making installments lighter and planning much calmer too.

You can pick a short term to pay less interest or a longer one to ease monthly pressure.

This flexibility is great for matching the loan to your income without sacrificing next month’s goals.

With varied terms, you can resize the installment in simulation and make bigger projects doable with real risk control.

First installment with a grace period

After the funds are released, the first charge can start up to 45 days later, giving your household budget breathing room.

That gap helps you organize urgent bills before taking on the installment, especially in tight months.

You gain time to adjust spending, plan income inflows, and avoid delays right at the start.

For emergency borrowing, this grace period lowers stress and makes the financial transition smoother.

Transparent in-app simulator

In the simulator, you see installment, TNA, TEA, and CFT before confirming, so there are no nasty surprises later.

You can change amount and term in seconds, comparing scenarios until you find the best value for you.

The CFT shown includes taxes and insurance, so you understand the true month-to-month price without tricks.

With that clarity, deciding whether to extend the term or lower the amount becomes much easier.

Early payoff option

If extra money comes in, you can prepay installments or settle everything, cutting future interest smartly and easily.

Banco Galicia Personal Loan allows early cancellation; after a certain period, it is usually fee-free, lowering costs fast.

Before that point, a small charge may apply, so it is worth checking your contract and app details carefully.

This option gives you full control over the debt and helps you close it out once your income improves.

Eligibility requirements to apply for Banco Galicia Personal Loan

Before applying, it is worth checking whether you meet the basic criteria needed for approval.

• Age within the limit: Be between 18 and 80 years old at the time of application.
• Compatible minimum income: Prove monthly income that supports the amount requested, based on the bank’s review.
• Active Banco Galicia account: Be a client, have an account in your name, and app access to simulate and contract.
• Up-to-date profile and security: Active token, valid documents, and a credit history approved in internal analysis.

If you meet these requirements, the in-app simulation already shows your limit and available conditions.

Step by step to apply for Banco Galicia Personal Loan

Applying is simple and quick, as long as you use the app and keep your information updated.

• Open the Banco Galicia app or Home Banking and go to the Personal Loans area.
• Simulate the amount and term you want, checking installment, rate, and CFT before moving on.
• Confirm the request with your token and follow the identity validation steps.
• After approval, accept the digital contract and wait for the credit to reach your account.

In just a few minutes, you finish everything online and know exactly how much you will pay.

Applicable rates for Banco Galicia Personal Loan

Banco Galicia Personal Loan has costs set by clear rates, and understanding them prevents surprises in the final installment.

Before contracting, see how TNA, CFT, and TEA work together to show the real price of the credit.

Prazo	TNA (annual)	Effective Annual CFT without VAT	Effective Annual CFT with VAT
6 a 20 months	86% – 130%	129,47% – 243,59%	171,27% – 338,47%
24 a 35 months	89% – 133%	135,97% – 253,01%	180,47% – 352,75%
36 a 72 months	92% – 136%	142,65% – 262,66%	189,95% – 367,45%

TNA

In Banco Galicia Personal Loan, TNA is the nominal annual rate, the base used to calculate monthly interest first.

It does not include taxes or insurance, so it works as an initial reference but not the full cost alone.

The lower the TNA offered to your profile, the smaller the installment tends to be, keeping the same term.

In simulation, compare TNA across different terms to see if paying faster or spreading out fits you better.

CFT

CFT is the total financial cost, adding interest, taxes, and insurance, showing what you truly pay in the end.

It appears as an annual percentage, but it hits each installment directly, so it is the key number to compare.

Longer terms usually raise the CFT because interest runs longer, even if the installment drops a bit.

When deciding, check CFT with and without VAT and calculate the total, not only the monthly payment.

CHÁ

TEA is the effective annual rate, which considers interest compounding and shows the real impact over a year.

It is typically higher than TNA because it reflects interest on interest, useful for comparing offers fairly.

In Banco Galicia Personal Loan, using TEA alongside CFT helps you predict what you will pay by the end.

If TEA looks high, reduce the term or amount to balance cost and comfort in your monthly budget.

Conclusão

Now you understand how the Galicia loan works, its limits, terms, and rates, and can compare calmly.

When simulating in the app, adjust amount and payment time until you find a comfortable installment without hurting your goals.

Remember to look at TNA, TEA, and especially CFT, because it captures the real cost and guides safer choices.

Enjoyed it? Then check out the Santander Río personal loan in the next article and see another interesting option.