Personal loans for retirees and interest rates in July: how to process them and which entities can be accessed

The conditions, amounts available, repayment periods and interest rates depend on each bank and, in many cases, on whether or not the retiree collects his or her assets from that entity.

Los retirees, pensioners and retirees who collect their salaries at Banco Nación can access a line of personal loans up to $50,000,000, with a minimum amount of $100,000. The credit can be returned in a term of 36 or 72 months, and the monthly fee cannot exceed 35% of the applicant’s net income.

The loan is granted through the French system, with monthly, equal and consecutive installments, which are automatically debited from the savings bank. In July 2026, the Annual Nominal Rate (TNA) is 56%.

The application can be done 100% online from the Banco Nación application or website. To do so, you must enter the “Loans” section, press the “+” button, choose the desired line of credit, indicate the amount, destination and number of installments and, finally, validate the data to complete the operation.

Banco Provincia offers personal loans for retirees and pensioners from the ANSeS who receive their salaries in the entity. Ex-combatants from the Malvinas Islands who receive the Social Pension granted by the Province of Buenos Aires, and retirees and pensioners from the Buenos Aires pension funds who prove their assets in the bank, can also access it.

He Maximum credit amount is $5,000,000with deadlines of repayment of 12, 24, 36, 48 or 60 months. The installments are monthly and can be paid by automatic debit to the account or over the counter. The loan is granted under the French Amortization System and has an Annual Nominal Rate (TNA) of 74%.

Banco Ciudad provides personal loans for retirees with different conditions depending on the relationship they maintain with the entity. Those who collect their salaries at the bank They can request up to $40,000,000, with fixed installments, a repayment period of up to 72 months and a TNA of 65%.

In the case of the retirees who are clients, but receive their income in another entity financial, the maximum amount available is $20,000,000. They maintain the same term of up to 72 months and the fixed installment scheme, although with a TNA of 87%.

For its part, those who are not clients They can also access a loan of up to $10,000,000, with a Total Financial Cost (CFT) with VAT of 174.30%. The entity clarifies that both the approval and the final conditions of the credit will be subject to the credit evaluation of each applicant. It can be requested through Home Banking.

BBVA offers personal loans for retirees who are clients of the entity. The credits are paid through fixed installments under the French Amortization System, which allows the same value of the installment to be maintained throughout the life of the loan.

The available amounts range from $10,000 to $60,000,000although the final amount will depend on the credit evaluation of each client. The repayment period can be from 6 to 72 installments. The line has an Annual Nominal Rate (TNA) of 70% and an Annual Effective Rate (TEA) of 97.46%. In Online Banking you can use the simulator to calculate the amount of installments to pay.

Banco Comafi offers personal loans for those who are not clients of the entity, with a maximum amount of $10,000,000. The financing is repaid in installments with a fixed rate and the payment term can be extended up to 60 months.

The fees are automatically debited from the Comafi Account and one of the requirements to access is to have a minimum net income of $273,000. The request can be made through Online Banking or WhatsApp, through the bank’s virtual assistant. The line has an Annual Nominal Rate (TNA) of 60% and an Annual Effective Rate (TEA) of 79.62%.