Zefino Efectivo

Zefino Efectivo is an app operated by APOYO BÁSICO COMERCIAL, S.A. DE C.V., SOFOM, E.N.R., a financial institution legally incorporated in Mexico.
We specialize in offering 100% digital, fast, secure, and transparent personal microloans.
With us, you can apply for a loan in minutes and receive the money directly into your bank account.

Why choose us?
100% online process: no paperwork or branch visits.
Smart assessment: We securely review your credit profile.
Fast deposit: The money arrives in your account within minutes after approval.
Complete transparency: no hidden fees or surprise charges.
Professional support: personalized attention Monday through Friday, 9:00 a.m. to 6:00 p.m.

Requirements to apply for a loan:
Be over 18 years of age.
Have an active bank account with a Mexican institution.
Have a valid official ID (INE or passport).
Complete the digital registration process and pass the credit check.

Steps to obtain your loan
Download the Zefino Efectivo app.
Register with your personal information.
Verify your identity and link your bank account.
Submit your application and wait for the evaluation.
Receive your money directly into your account if your application is approved.

Rates and financial information
Maximum amount: up to $20,000 MXN.
Repayment term: up to 180 days.
Annual interest rate (APR): up to 28% per year.
No additional fees, unless expressly informed before signing the contract.

Illustrative example (non-binding):
Loan amount: $20,000 MXN
Term: 120 days (4 months)
Annual rate: 20%
Monthly interest: $333.33 MXN
Estimated monthly payment: $5,333.33 MXN
Total due: $21,333.32 MXN
Actual amounts may vary depending on your profile and credit rating.

Privacy and security
Your information is protected in accordance with the Federal Law on the Protection of Personal Data Held by Private Parties (LFPDPPP).
We use TLS/SSL encryption and optional biometric verification to protect your data.
You can exercise your ARCO rights (Access, Rectification, Cancellation, and Opposition) by writing to:
office@apoyobasicocomercial.com.mx
We never share your data with third parties without a legal basis.

Contact us
APOYO BÁSICO COMERCIAL, S.A. DE C.V., SOFOM, E.N.R.
20 de Noviembre 1430, Interior D1 Altos, La Piragua Neighborhood, Zip Code 68310, San Juan Bautista Tuxtepec, Oaxaca
+52 469 297 0086
Monday to Friday, 9:00 AM – 6:00 PM (Central Mexico Time)