If you are looking for a personal loan in Mexico with a straightforward and entirely online process, the Relámpago personal loan stands out. You can request from $2,000 up to $150,000 MXN and select a repayment term between 12 and 24 months. The loan approval process is notably fast, often providing a pre-approval within a couple hours and requiring only basic documents: an official ID, income proof, and a recent utility bill. While the precise annual interest rate varies based on an applicant’s profile, customers appreciate that there are no upfront fees or guarantor requirements. This undeniably makes Relámpago particularly attractive for those seeking quick access to funds without unnecessary hurdles.

How to Apply: Simple Step-by-Step

1. Start your application online via the form.
2. Input your personal and employment information as prompted.
3. Provide your monthly income and the requested amount and term.
4. You’ll receive a verification code by WhatsApp.
5. Upload or present supporting documents: ID, proof of address, and income.
6. Wait for pre-approval. If successful, a company representative will contact you for final steps or you can call to expedite.

Pros of the Relámpago Personal Loan

Relámpago offers a paperless and agile process without the need for physical branch visits unless desired.

No guarantor or collateral is required, and pre-approval is remarkably quick thanks to their efficient screening.

Loans are available even to pensioners and self-employed applicants, expanding accessibility compared to traditional banks.

Cons to Consider

The exact interest rate is only revealed after you submit a complete application and credit check—some may find this lack of upfront transparency inconvenient.

Branch interaction is necessary for finalization in some cases, so if you prefer a fully remote process, be aware this may add a step.

Verdict: Should You Apply?

Relámpago personal loans are a strong choice for applicants in Mexico who value speed, flexible amounts, and a simple approval process. The lack of upfront costs or collateral needs is a major benefit and, if quick funds are a priority, Relámpago delivers a swift and easy experience.