Crédito Real, S.A.B. de C.V., Sociedad Financiera de Objeto Múltiple, Entidad No Regulada, is a Mexican non-bank financial institution that historically specialized in consumer lending. The company provided payroll-deducted loans to public- and private-sector employees, along with personal, group, and small-business financing products.
Through subsidiaries and affiliated businesses, Crédito Real also expanded into vehicle financing and consumer lending in selected markets outside Mexico. Its operations historically served borrowers in Mexico and several countries in Central America, including Costa Rica, Panama, Nicaragua, and Honduras, as well as customers in the United States through certain specialized lending activities.
Founded in 1993, Crédito Real grew primarily by offering credit products to individuals who were often underserved by traditional banks. The company experienced significant financial difficulties beginning in 2022, including payment defaults and restructuring proceedings, which affected its operations and corporate status. Leadership and business activities may have changed substantially during the subsequent restructuring process.
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