Simulate, confirm, and receive quickly, with predictable installments and everything managed in the app.

Stori Loan is a 100% digital personal credit, with a fixed rate and agile disbursement, designed to bring predictability and reduce bureaucracy in your planning.

Everything happens through the app in simple steps: simulate values, understand costs, choose suitable terms, and track each stage with clarity, safety, and transparency.

With stable interest, installments remain predictable from start to finish. This makes organizing your budget, avoiding surprises, and reaching goals naturally easier.

Ready to move forward? Discover Stori Loan now, compare conditions in the app, and secure transparent credit aligned with your budget.

Element	Detais
Amount	Between MXN $500 and MXN $23,000
Term	12 months
Fixed interest rate	199% p.a.

Discover Stori Loan: 100% digital personal credit, fixed rate, and fast deposit.

Stori Loan is a 100% digital personal credit with a fixed rate and fast deposit. You can apply through the app and track everything in real time.

You choose the amount and term according to your budget, defining the payment frequency. Fixed installments make financial planning easier and avoid surprises during the contract.

Before confirming, the app displays detailed costs, including the fixed rate, CAT, and opening fee. You can review conditions, calculate installments, and sign securely.

After signing, the deposit arrives in your Stori Cuenta+ or bank account. You can set reminders, choose payment frequency, and even make early payments to reduce interest.

Main Benefits of Stori Loan

The main benefits of Stori Loan stand out for their convenience: simple application, fast disbursement, clear costs, and app control — everything designed for you.

With a friendly and modern experience, you choose terms, track payments, make early installments whenever you want, and receive dedicated support whenever needed.

100% digital and fast

Everything happens online, in intuitive steps, without lines or paperwork. You start, review conditions, sign digitally, and the money is available almost instantly.

With Stori Loan, the journey is simple: simulate, confirm essential data, receive the electronic contract, and track everything in the app with full clarity.

The guided process reduces errors and doubts. Clear messages help you choose safely, from simulation to disbursement.

No endless phone calls, no distant branches. The application seamlessly integrates into your phone’s routine, enabling you to solve everything quickly, with transparency and autonomy.

Deposit where you prefer

Receive the amount directly in your bank account or Stori Cuenta+, choosing the destination that makes financial planning easier in your daily life.

This flexibility helps you pay bills, organize your budget, and separate goals. You decide the channel that best fits your habits and preferences.

If you prefer Cuenta+, you centralize everything in the app, track your balance, generate receipts, and maintain an organized history for personal checks or future needs.

If you choose to use your bank account, you can maintain your usual payment flows without changes, preserving the convenience and control you already know.

Fixed rate and predictable installments

With fixed interest, you know exactly how much you will pay in each installment, allowing you to plan without unpleasant surprises or unexpected changes during the contract.

Predictability makes it easier to compare offers, understand the impact of terms, and choose an amount that fits your budget and financial goals.

With equal installments, it is simple to organize your payment schedule, set reminders, and adjust expenses without compromising essential commitments.

This stability is especially useful during busy times, when unexpected events arise. Fixed values provide peace of mind and support conscious decisions about spending, saving, and investing.

Flexibility to pay

You choose the payment frequency that best fits your routine, aligning the schedule with income, recurring expenses, and important personal commitments.

If you prefer shorter, more frequent payments, maintaining a steady rhythm can help reduce the balance gradually. If you prefer monthly installments, focus on a single predictable date.

Adjusting frequency helps avoid delays, reduces stress, and keeps you motivated, as you see steady progress without disrupting important priorities.

When necessary, reassess terms and values on the platform. The goal is to strike a balance between financial comfort and discipline, ensuring sustainable payments throughout the contract.

Transparent costs

Before applying, you can view the interest rate, opening fee, and total cost indicator, clearly understanding how much you will pay over the agreed period.

This transparency allows you to compare similar offers without confusion, avoiding fine print and hidden charges. Clear information empowers your choices and supports better decisions.

You can see the structure of each installment, with interest, principal, and fees, tracking how each payment reduces your debt balance.

Transparency builds trust. When you know exactly what you are signing, it is easier to stay committed, plan goals, and build a consistent financial history.

Possibility of early payments

Paying earlier reduces future interest and shortens the schedule. With early payments, you free up budget space for other important goals.

You decide whether to reduce the value of future installments or shorten the total number of payments, choosing the strategy that best fits your plans.

Even small early payments accumulate over time. You maintain discipline, reduce anxiety, and create financial room for unexpected challenges or opportunities.

Plan early payments according to your cash flow. Regular small advances add up, allowing you to finish the contract sooner with savings and peace of mind.

Regulated product with support channels

This product is offered by an authorized and supervised institution, ensuring safety standards, defined processes, and accountability in customer service.

You have official channels for questions, complaints, and guidance, including extended hours. This offers peace of mind whenever you need to resolve an issue quickly.

A specialized customer service unit ensures follow-up, record-keeping, and timely responses, strengthening your overall client experience.

Knowing there are clear rules and active oversight gives you confidence to apply, compare options, and request help when needed without hesitation.

Accessible amounts

The amounts suit different needs, from small expenses to larger projects. You choose according to your moment, aligning the loan with your goals.

With Stori Loan, you can start with smaller amounts and progress as your history grows, building trust, healthy habits, and sustainable financial goals.

This wide range helps you test comfortable terms and learn more about your cash flow without compromising essential daily priorities.

With planning and discipline, you can use limits wisely, prioritizing needs, avoiding waste, and keeping financial support tailored to each project.

Eligibility Requirements to Apply for Stori Loan

Requirements	Details
Be of legal age.	Mandatory to apply for the loan.
Proven or declared repayment capacity.	Stori may request documentation or a declaration of repayment capacity.
Have the Stori mobile app.	Loan management through electronic channels (app/WhatsApp).
Authorize credit bureau inquiry.	Credit Bureau check required for evaluation.
Be a Stori client (Stori Card and/or Stori Cuenta+).	Product is available only to those who already hold a Stori Card and/or Cuenta+.

If a requirement is missing, regularize it before proceeding. This speeds up analysis, avoids rejections, and improves your chances of better limits and terms.

Step-by-Step to Apply for a Stori Loan

See how to apply for your Stori Loan safely: follow these simple steps to complete 100% online, review costs, and receive funds quickly.

• Access the Stori app or official WhatsApp; confirm eligibility and authorize the credit bureau check.
• Simulate and choose the amount, term, and frequency; review interest, CAT, and opening fee in the proposal.
• Send the requested information and sign the electronic contract; receive the summary with final conditions.
• Receive the deposit in Stori Cuenta+ or your bank account; set payments and reminders; consider early payments when possible.

Confirm all data and costs before signing. Keep your documents, pay on time, and use early payments to reduce charges.

Applicable Fees for Stori Loan

Understand the applicable fees of the Stori Loan in simple terms: amounts, when they apply, and how they impact installments, monthly planning, and responsible financial decisions.

With this practical guide, you can review charges before signing: commission, interest, APR, taxes, and specific rules—avoiding surprises and choosing with confidence.

Charge	Amount	Applicability	Notes
Opening fee	5% of the loan amount	At contracting (one-time only)	Deducted/charged upon loan opening; see contract summary for the exact amount.
Fixed interest rate (reference average)	199.0% p.a. (excluding VAT)	Throughout the entire term	The individual rate is defined in your contract summary; installments are equal (principal + interest).
Weighted average CAT	120.3% p.a. (excluding VAT)	Indicator of the total loan cost	Not an extra fee; used to compare offers. Varies according to amount/term.
Unfounded claim fee	$150 + VAT per event	When the claim is deemed unfounded	Charge applied for contesting a transaction/charge that is considered unfounded.
Late payment interest	Annual late payment rate (defined in the contract summary)	On overdue installment, from the 1st day of delay	Proportional calculation by days overdue; rules and formula in the contract.
Annual fee	$0	—	This product has no annual fee.
Taxes (e.g., VAT)	According to applicable law	Applied on interest/fees when applicable	Payment allocation order includes taxes; see the contract.
Ancillary costs	Not applicable	—	As per the official fee and cost schedule of the product.

Opening Fee

The opening fee is 5% of the loan amount. It is charged once at the time of contracting and clearly detailed in the summary.

It may be deducted from the disbursed amount or added to the financed balance, depending on the proposal. Plan this cost to avoid budget issues.

In Stori Loan, the calculation is based on the approved amount. Check percentages, examples, and the collection method directly in the simulation before applying.

Keep receipts, proposal, and electronic contract. Since it affects the initial cost, include it in comparisons and feasibility analysis.

Fixed Interest Rate

The disclosed fixed rate of 199% annually sets the nominal cost. The percentage remains constant throughout the contract, favoring monthly predictability.

Interest applies to the outstanding balance based on the chosen period. Each installment combines principal repayment and proportional interest, maintaining equal values in the schedule.

Use the simulation to see the effective monthly cost. Adjusting terms and amounts helps balance installments with income without affecting essential obligations.

Remember: 199% annually is nominal. Taxes may be applied separately, and the CAT summarizes total costs, facilitating consistent comparisons between different offers.

Average CAT

The reported average CAT of 120.3% annually summarizes the total loan cost. It is used to compare similar offers with close amounts and terms.

CAT is not an additional charge. It integrates interest, fees, and relevant expenses, providing an aggregated view of the effective financial impact over the agreed-upon term.

Compare CATs only between proposals with similar conditions. Large differences may indicate hidden costs, requiring careful review before confirming the loan.

In the simulation, check the CAT alongside the amount, term, and installment. This way, you quickly understand the balance between speed, cost, and predictability.

Unfounded Claim Fee

This is a fixed fee of $150 per event plus VAT. It applies when a contested charge is deemed unfounded by official support channels.

Before filing a complaint, gather receipts, dates, and complete descriptions. Clear information increases the chance of approval, avoiding unnecessary costs and rework.

If the response is unfavorable, review the reasons provided. Understanding them helps adjust personal processes and prevent future charges.

When in doubt, contact official support, obtain a protocol, and follow deadlines. Transparent service ensures faster resolutions and avoids fees when claims are valid.

Late Payment Interest

In case of delays, late payment interest applies to overdue installments. The exact annual rate is defined in the contract summary based on your conditions.

The calculation considers days overdue and on a contractual basis. Paying as soon as possible reduces accumulated charges and avoids escalation to costly collection stages.

Set reminders and align due dates with income. This organization minimizes forgetfulness, protects your history, and reduces the chance of unnecessary penalties.

If a delay is inevitable, notify official channels in advance. Often, alternatives can be offered to mitigate financial effects and administrative discomforts.

Annual Fee

The annual fee for Stori Loan is $0. This simplifies understanding recurring costs, focusing only on what truly impacts you.

Without an annual fee, comparing offers becomes easier. You analyze interest, opening fees, and CAT without hidden components, ensuring the final disbursement is accurate.

The absence of an annual fee favors monthly predictability. Fewer recurring variables simplify budgeting, offering a clear view of your financial commitment.

Even without an annual fee, confirm updated conditions in the app before signing. Official materials ensure clear choices aligned with your financial moment.

Taxes

Taxes may apply to interest and fees, according to the law. The applicable percentage, such as VAT, is defined by tax regulations.

In practice, installments may include taxes charged on interest and fees. Checking the summary clarifies the exact composition under your contract.

Plan with this taxation in mind when comparing offers. This way, you see the effective total cost and avoid decisions based only on nominal interest.

In Stori Loan, confirm the applicable tax rate at the time of contracting. This ensures accurate calculation, monthly predictability, and fair comparisons.

Conclusion

With everything explained, you now know where each cost applies, how installments work, and when early payment is worth it. Clear information becomes financial peace of mind.

Planning becomes simple: adjust value, term, and frequency to your income flow. App reminders help avoid delays, preserve your history, and strengthen credit opportunities.

With visible percentages, comparing offers is no longer a mystery. Look at interest, fees, CAT, and taxes to understand the total impact before signing.

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