Loans allow workers without a credit history to buy or repair motorcycles and bicycles
The information generated by the apps themselves thus serves as an alternative credit evaluation system, allowing financing for individuals who previously lacked tools to demonstrate their repayment capacity. According to the Central Bank, these loans enable independent workers to invest in their own means of production.
Delivery platforms are expanding access to credit for thousands of delivery workers who, due to a lack of financial history or sufficient guarantees, remained excluded from the traditional banking system. Loans are primarily used to buy or repair bicycles and motorcycles, essential tools for developing their activity and generating income.
According to a report prepared by the Central Bank, in 2025, the number of app workers accessing this type of financing grew by 122% with a delinquency rate below the Argentine average.
Unlike banks, which typically analyze pay slips, credit history, and guarantees, apps can evaluate each worker's behavior within the platform. Factors considered include seniority, the number of accepted trips, connection hours, and ratings given by users.
By the end of 2025, the average debt of self-employed workers using platforms reached approximately $900,000. Independent workers represented 54% of those who had requested these credits and accounted for more than 62% of the money granted. Additionally, 70% of those financed were under 40 years old.
PedidosYa reported that it began offering loans to businesses in 2022 and extended the service to delivery workers in 2024. Since then, the company has granted around 57,000 loans totaling US$84 million, of which 54% was allocated to participating establishments. In the case of delivery workers, the loans have a maximum term of six months and the installments cannot exceed 30% of their income.
Repayment can be made through automatic deductions from the commissions generated by each completed order, a mechanism that facilitates compliance with the installments. According to data from the Debtors Central collected by the consulting firm EcoGo, the delinquency rate among delivery workers financed by PedidosYa reached 11.7%, slightly below that recorded in the traditional financial system.
