Financiera Efectiva S.A. is a regulated financial institution in Peru, supervised by the Superintendencia de Banca, Seguros y AFP (SBS). It is a part of Grupo EFE, a prominent Peruvian retail holding. The company specializes in providing consumer finance solutions, including personal loans, the "Tarjeta Efectiva" credit card, vehicle financing, and savings accounts. Its mission is to facilitate access to credit for Peruvian families, helping them achieve their goals and improve their quality of life. Originally established to support the financing needs of customers at the group's retail stores (such as La Curacao and Tiendas EFE), it has since expanded its financial services to the broader public.

Founded in

Peru