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Banca.Me
Techstars '23Santiago, CL · Founded 2020 · 15 employees on LinkedIn · 1 known investors
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Banca.me is a Chilean fintech offering installment purchases without a credit card at over 1,000 affiliated merchants, plus consumer credit, cash advances, and mortgage/down-payment financing through a fully online process. It targets consumers in Chile, including those without access to traditional credit cards.
Also known as Bancame · Bancame SpA · Bancame Trust II SpA · Bancame Trust SpA
Founders & leadership
Banca.Me was founded in 2020 by Cristian Eing and Vicente Claro.
Investors · 1
How we know: the Techstars portfolio · open dataset · Top 3000 Accelerator Startups (no YC) 2026-08 · Not right? Tell us
Company profile
researched Sep 2026Banca.me (Bancame SpA) is a Chilean financial technology company based in Santiago that lets consumers buy in installments without a credit card at affiliated merchants. Shoppers select a store from the company's merchant network, choose an installment plan and complete the purchase online, with the interest rate (CAE), service commission and total payable shown before the purchase is confirmed. Plans presented on the company's site range from a single payment to 12 installments, with a payment calendar of fixed monthly amounts.
Beyond point-of-sale installments, the group companies Bancame Trust SpA and Bancame Trust II SpA provide consumer loans, cash advances and financing of mortgage down payments ("pie hipotecario"). Banca.me also arranges mortgage loans, acting as manager and commercial agent while the loans are issued by Agente Administrador de Mutuos Hipotecarios Andes S.A., which is registered with Chile's Comisión para el Mercado Financiero (CMF). The company additionally markets solutions to businesses, including real estate developers and merchants wishing to offer card-free installments.
On the regulatory side, Bancame Trust SpA and Bancame Trust II SpA are supervised by Chile's Unidad de Análisis Financiero (UAF), and Bancame SpA states it is in the process of registering in the CMF's Registry of Financial Service Providers under Fintech Law No. 21.521. The company states it is not a bank or financial institution and does not take deposits or manage public funds; its lending operations use CMF-regulated funds administered by registered fund manager Insignia Assets Management S.A.
Business model
Banca.me originates consumer credit used at the point of sale and directly, earning interest (disclosed as CAE) plus a service commission on each installment plan; it also acts as manager and commercial agent for mortgage loans issued by a third-party mortgage administrator, and offers merchant- and real-estate-developer-facing financing solutions.
Interest charged on installment plans and loans, together with a service commission per transaction disclosed alongside the purchase amount; mortgage products are intermediated for a third-party lender.
Traction
The company reports more than 1,500 affiliated merchants, over 4,600 users in Chile, more than USD 10 million in credit delivered and an average customer rating of 9.2.
Latest developments
Bancame SpA reports being in the process of registration in the CMF's Registry of Financial Service Providers under Fintech Law No. 21.521, in force since 3 February 2024, and markets mortgage and mortgage down-payment financing alongside its card-free installment product.
▸Full profile — market position, technology, go-to-market, geography
Market position
Positions itself as a card-free installment and credit provider serving Chilean consumers underserved by traditional credit cards, operating under UAF supervision with funding vehicles regulated by the CMF.
Card-free installment purchasing with upfront, itemized disclosure of interest (CAE), service commission and total cost; a 100% online process without branches or paperwork; and extension of credit to applicants who lack credit cards but can demonstrate repayment capacity.
Technology
A fully online, branch-free and paperwork-free application and evaluation flow, including rapid assessment of a customer's purchasing capacity and an in-app installment selection and payment-schedule experience with upfront disclosure of interest, commission and total cost.
Go-to-market
Distribution through a network of affiliated merchants where customers can pay in installments without a card, direct online consumer acquisition for credit and mortgage financing, and business-to-business offerings for real estate companies and retailers.
Consumers in Chile who want to buy in installments without a credit card, including people excluded from traditional credit cards, plus affiliated merchants and real estate developers seeking financing options for their customers.
Geography
Operates in Chile, with offices at Eliodoro Yáñez 2990, Torre A, piso 3, Santiago; customer testimonials reference users in localities including Paine, Rancagua, Talca and Maipú.
Compiled by commissioned research from 4 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Related companies · 1
Companies working in the same space as Banca.Me.
▸Research sources · 4
primary sources listed
- Banca.Mebanca.me · web
4 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Banca.Me do?
- Chilean fintech offering card-free installment purchases, consumer credit and mortgage financing through a fully online process.
- Who founded Banca.Me?
- Banca.Me was founded by Cristian Eing, Vicente Claro in 2020.
- Who are Banca.Me's investors?
- Banca.Me's investors include Techstars.
- Where is Banca.Me headquartered?
- Banca.Me is headquartered in Santiago, CL.