Carly Ros S.A. provides personal loans from its office on L. N. Alem in the City of Mendoza. Loans are repaid in fixed monthly instalments, and every offer states the TNA, TEA and Total Financial Cost (CFT) in writing before you sign.
We are not a bank, we do not take deposits, and we never ask for money before a loan is granted.
We offer personal loans in Argentine pesos repaid under the French system: the same instalment every month, so you always know what you owe and when.
A loan for personal needs, assessed on your income and your ability to repay. You receive the full terms in writing and may take time to consider them before signing.
See exactly how a French-system loan is repaid: each month the instalment stays the same while the share of interest falls and the share of principal rises.
| N° | Instalment | Interest | Principal | Balance |
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Illustration using the TNA you enter, before VAT, insurance or charges. It is not an offer. The CFT of a real loan, which includes every charge and tax, is stated in its written agreement.
These rights belong to every borrower, and you may rely on them in every dealing with us.
The agreement must state the amount financed, the rates, the Total Financial Cost, and the number, amount and dates of instalments.
Collection must be respectful: no threats, no intimidation, and no contact with your employer, family or neighbours about your debt.
For agreements concluded at a distance, you may revoke your acceptance within 10 days at no cost.
You may access and correct your data at any time. It is used only to assess and manage your loan.
If a dispute cannot be resolved with us, you may file a complaint with the consumer protection authority of the Province of Mendoza.
A legitimate lender is always identifiable, and it never needs your money before it lends you its own.
Fraudsters offer "pre-approved" loans on social media and messaging apps, then ask for an "insurance", "guarantee" or "processing" payment. Carly Ros S.A. never asks for any payment before a loan is granted, never asks for home-banking passwords, card PINs or verification codes, and never asks you to send money to a personal account or wallet. If anyone does this in our name, stop the contact and report it.
Call, write or visit. We explain the loan and tell you what to bring.
DNI, proof of address and proof of income: payslip, pension receipt or monotributo records.
Amount, TNA, TEA, CFT and the full instalment table, for you to review calmly.
You sign, keep your copy, and the funds go to your own bank account.
No. Carly Ros S.A. is a company that grants personal loans. It is not a financial entity under the Financial Institutions Law and does not accept deposits from the public.
No, never. Any charge is part of the CFT, appears in the written agreement and is never collected in advance.
The TNA is the nominal interest rate. The CFT adds the effect of compounding, charges, insurance and taxes. It is the true annual cost, and the figure to use when comparing lenders.
Yes. You may repay part or all of the loan early, and future interest is reduced accordingly under the agreement.
No. Each application is assessed on your income and ability to repay. Be wary of anyone who promises approval in advance.
No. This website concerns only CARLY ROS S.A. of Mendoza. Other businesses with similar names are separate entities.
Please contact us before visiting so that we can tell you which documents to bring.