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REEVALÚA, ON YOUR SIDE

Making the life you want financially possible.

We organize your finances, negotiate your debts and compare loans that fit your needs. We work for you, through WhatsApp.

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Victoria, I want to organize my finances. I earn six thousand dollars a month and have fifteen thousand dollars saved.

See how we work
WE TAKE ACTION FOR YOU

We look for credit. We negotiate your debts.

We look for credit for you from banks, lenders and credit unions based on your profile. If you have debts, we negotiate with your creditors on your behalf.

Banks, savings banks, lenders, fintechs and credit unions
Explore all institutions 166

Banks

  • Agrobanco
  • Alfin Banco
  • BanBif
  • Banco de la Nación
  • Banco Falabella
  • Banco GNB
  • Banco Pichincha
  • Banco Ripley
  • Banco Santander
  • Bancom (Banco de Comercio)
  • BBVA
  • BCP
  • Compartamos Banco
  • Interbank
  • Mibanco
  • Scotiabank

Savings banks

  • Caja Arequipa
  • Caja Centro
  • Caja Cusco
  • Caja del Santa
  • Caja Huancayo
  • Caja Ica
  • Caja Los Andes
  • Caja Maynas
  • Caja Metropolitana de Lima
  • Caja Paita
  • Caja Pens Milit Polic Vta Cart (366)
  • Caja Piura
  • Caja Prymera
  • Caja Rural De Ahorro Y Cred. Raiz
  • Caja Sullana
  • Caja Tacna
  • Caja Trujillo
  • Crac Chavin

Lenders and fintechs

  • Acceso Crediticio
  • Acp Impacta S.A.C.
  • Acrecentar Emprende Y Crece S.A.C
  • Alo Credit Peru S.A.C.
  • Aora Solucion S.A.C.
  • Autoplan S.A.
  • Bankyto
  • Bantra Fintech
  • Cada Inversion S.A.C.
  • Capital Tech Latam
  • Cencosud
  • Certikredit
  • Chapacash
  • Contigo en Todo
  • CrediFace
  • Credinka
  • Credito Movil S.A.C.
  • Creditos Crece Juntos Sac
  • Doctor Sol
  • Efectiva
  • Expertis Master Servicer And Collections S.A.C.
  • Factotal Peru
  • Fides - Decide Tus Finanzas
  • Financiera Alternativa
  • Financiera Confianza
  • Financiera Credi Selva S.A.C.
  • Financiera Proempresa
  • Financiera Qapaq
  • Financiera Tfc
  • Financiera Universal
  • Fortuna Fintech
  • Gescob Peru S.A.C.
  • Goexpertis
  • Grupo Union Hyo S.A.
  • Grupo V&V
  • Hipoteca Fácil
  • HipoTech
  • Hola Andy
  • Inversiones Cap Sullana S.A.C.
  • Inversiones Cdescob S.A.C.
  • Inversiones La Cruz
  • Kambia
  • Merite (Finsana)
  • Mitsui Auto Finance
  • Palante Prestamos
  • Prestamo Feliz
  • Prestamype
  • Prisma Capital
  • Prosol Inversiones S.A.C.
  • Raplata
  • Ribo
  • RTC
  • Santander Consumer (CrediScotia)
  • Sociedad Peruana De Financiamientos Sac
  • Solventa Peru S.A.C.
  • Surgir
  • Talara Creditos E Inversiones S.A.
  • Te Salva
  • Tu Kompa
  • Union Finanzas E.I.R.L.
  • Vana Peru S.A.C.
  • Wolet
  • X Capital

Credit unions

  • C.A.C Santo Domingo De Guzman Del Cusco Ltda
  • Cac Sub Ofic De Pnp Sta Rosa De Lima Ltd
  • Coop.A.Y Cred.S.Salvador Milpo
  • Coopac. San Isidro
  • Coopac. Santa Isabel Perunorte
  • Cooperativa Ábaco
  • Cooperativa Amazonas
  • Cooperativa Bolognesi
  • Cooperativa Crediapoyo
  • Cooperativa Credicoop Arequipa
  • Cooperativa Cuajone
  • Cooperativa De Ahorro Y Cred. Andreli
  • Cooperativa De Ahorro Y Cred. La Portuaria
  • Cooperativa De Ahorro Y Cred. San Lorenzo
  • Cooperativa De Ahorro Y Cred Santa Catalina
  • Cooperativa De Ahorro Y Credito Kori
  • Cooperativa De Ahorro Y Credito La Progresiva Ltda
  • Cooperativa De Ahorro Y Credito Leon
  • Cooperativa De Ahorro Y Crédito Los Andes
  • Cooperativa De Ahorro Y Credito Mf Prisma
  • Cooperativa De Ahorro Y Credito Petroperu Ltda
  • Cooperativa De Ahorro Y Credito Promotora De Negocios Y Serv
  • Cooperativa De Ahorro Y Crédito San Cristóbal De Huamanga
  • Cooperativa De Ahorro Y Credito Serfinco Limitada
  • Cooperativa De Servicios Especiales Santa Lucia Del Norte
  • Cooperativa De Servicios Multiples
  • Cooperativa De Servicios Multiples Chupaca
  • Cooperativa De Servicios Multiples Emprendamos Ayacucho Limi
  • Cooperativa De Servicios Multiples Grupo Solvencia
  • Cooperativa De Servicios Multiples Vive Mas
  • Cooperativa De Servicios Multiples Y Educativos Virgen Del R
  • Cooperativa Dile
  • Cooperativa El Tumi
  • Cooperativa Nuesta Familia Coopse
  • Cooperativa Pacifico
  • Cooperativa Quillacoop
  • Cooperativa San Francisco
  • Cooperativa San Hilarión
  • Cooperativa San Jose Cartavio
  • Cooperativa San Martín de Porres
  • Cooperativa San Miguel
  • Cooperativa Santo Cristo De Bagazan
  • Cooperativa Tocache
  • Fondesurco
  • Grupo Inversión Sudamericano
  • Inversiones Corporativas Misti
  • Inversiones Para Tu Progreso
  • La Rehabilitadora Cooperativa De Ahorro Y Cred.
  • Nuestra Familia
  • Promotora San Isidro

Other organizations

  • Aic Corporacion S.A.C.
  • Cooperativa (sin nombre registrado)
  • Corporación Avanzando S.R.L.
  • Corporacion Compartir S.A.C.
  • Corporación Educativa Calicanto
  • Corporacion Mercantil La Yapa Sac
  • Corporacion Mia Peru E.I.R.L.
  • Corporacion Tesen & Asociados S.A.C.
  • Corporacion Vival
  • Distribuidora Farmacos Del Norte S.A.C.
  • Drogueria Corporacion Centralfarma
  • Finanty
  • Grupo Vega Distribucion S.A.C.
  • Importaciones e Inversiones Ro & Ma
  • Instituto De Capacitadores Nuevo Mundo S.A.C
  • Lan Trading Stell
  • Proyectos & Inversiones Seguras S.A.C.
  • Servicios Externos S.A.C.
  • Vendo Mi Auto

You can also search previous names and names that appear on your report.

REEVALÚA, IN YOUR EVERYDAY LIFE

You set the goal.
We do the work.

Your accounts, your debts and your goals. See how we work for you, step by step.

NEGOTIATION

From outstanding debt to a clear agreement.

“I want to settle this debt without using up my savings.”
We take care of it
We negotiate with whoever manages your debt and follow up, within the limit you authorize.
You receive
An agreement for you to review and, once the debt is settled, a debt clearance letter.
Ask about negotiation
The result · illustrative example
Reevalúa at work Negotiation

Debt settled, in writing

Negotiation with Chase
Debt settlement 8 emails
Chase We confirm $3,800 for full settlement. The agreement is attached for review.
Reevalúa The customer reviewed the agreement and authorized payment. Payment confirmed: we request the letter confirming full settlement.
C
Chase To: Reevalúa
Received
Full settlement confirmed

We confirm full settlement of the debt. The debt clearance letter is attached.

Debt clearance letter.pdf
Original debt $8,000 Agreement reached$3,800
View the full exchange
Reevalúa → Chase

We propose $3,500 to settle the Chase debt in full. We need the agreement in writing and a debt clearance letter when the process is complete.

Chase → Reevalúa

We can consider settlement for $4,200.

Reevalúa → Chase

$4,200 exceeds the authorized limit. Our counteroffer is $3,800 for full settlement, with no outstanding balance. Confirm the terms in writing.

Chase → Reevalúa

On what date can payment be made so we can assess the counteroffer?

Reevalúa → Chase

The customer can pay this Friday. Our offer remains $3,800 for full settlement. Send the agreement for review before payment is authorized.

Chase → Reevalúa

We confirm $3,800 for full settlement. The agreement is attached for review.

Reevalúa → Chase

The customer reviewed the agreement and authorized payment. Payment confirmed: we request the letter confirming full settlement.

Chase → Reevalúa

We confirm full settlement of the debt. The debt clearance letter is attached.

Fictional email exchange and settlement. Results are not guaranteed. The customer reviews and authorizes payment.

Illustrative example · you decide before authorizing.
CREDIT

A loan that fits your life.

“I need $10,000 to improve my home.”
We take care of it
We complete simulations and compare the same amount and term across different lenders.
You receive
Monthly payments to compare and documents ready for review before you authorize anything.
Ask about credit
The result · illustrative example
Reevalúa at work Credit

Same amount. Same term.

To improve your home
Wells Fargo Selected
Amount in USD
10,000
Term
12 months
Illustrative APR
10 %
Monthly payment $879.16 12 payments in this scenario
Citi
Amount in USD
10,000
Term
12 months
Illustrative APR
12 %
Monthly payment $888.49 12 payments in this scenario
U.S. Bank
Amount in USD
10,000
Term
12 months
Illustrative APR
14 %
Monthly payment $897.87 12 payments in this scenario
Wells Fargo selected. We prepare the application.

Illustrative APRs of 10%, 12% and 14%, with no fees assumed. These are not lender quotes. Eligibility and actual terms vary.

Illustrative example · you decide before authorizing.
MONEY MANAGEMENT

Your money, in order.

“I want to get my finances in order.”
We take care of it
We categorize your transactions and ask when something needs context. We separate transfers between your own accounts.
You receive
Fixed payments and variable expenses, grouped together. Your transfers, kept separate.
Ask about money management
The result · illustrative example
Categories ready Money management

Every transaction in its place

Your result
5 expenses organized · 1 transfer separated
Fixed payments
Home, education and utilities
$2,500
RentHome $1,500
SchoolEducation $600
Electricity, water and internetUtilities $400
Variable expenses
Shopping and outings
$1,000
GroceriesShopping $700
Restaurants and outingsLeisure $300
Between your accounts
Kept separate from expenses
$500

Same money, another account. It does not count as spending.

Illustrative example · you decide before authorizing.
SAVINGS

That trip starts with a savings plan you can manage.

“I want to save $3,000 for a trip.”
We take care of it
We review your expenses and loan payment to work out how much you can set aside each month.
You receive
Your travel goal, with a monthly contribution and a timeline to get there.
Ask about savings
The result · illustrative example
Reevalúa at work Savings

Your trip now has a plan

Savings goal
Trip $3,000
Contribution from your salary $500 a month
1month 2month 3month 4month 5month 6month
My travel plan.pdf
Goal saved · your $11,200 reserve remains intact.
Illustrative example · you decide before authorizing.
INVESTING

Explore how to invest what you have left.

“What can I do with my spare money?”
We take care of it
We calculate what is left after your expenses and goals. We prepare an investment scenario.
You receive
A five-year projection, with your contributions and illustrative gains shown separately.
Ask about investing
The result · illustrative example
Reevalúa at workInvesting

How your investment could grow

5 years · illustrative scenario
Projected value in year 5$83,417With monthly contributions of $1,120.84
0 40k 80k TodayYear 1Year 2Year 3Year 4Year 5
Projected valueYour contributions
Your contributions$67,250
Projected gain+ $16,167

example assumptions: USD contributions; VOO 8% and Nvidia 12% annually; contributions at each month-end. Constant returns, excluding fees and taxes. Illustrative projection, not guaranteed.

Illustrative example · you decide before authorizing.
INSURANCE

Understand your insurance. Use it when you need it.

“What does my insurance cover, and how do I use it?”
We take care of it
We review your policies, clarify what they cover and help you manage requests with your insurer.
You receive
Clear coverage, organized documents and follow-up on your requests.
Ask about insurance
The result · illustrative example
Reevalúa at work Insurance

Reimbursement confirmed

Days later · insurer's response
Card benefits administrator To: Reevalúa

We approve reimbursement of the purchase amount in this case.

$1,200 100% of the purchase
Confirmed timeframe
15 days
Destination
Chase Sapphire Reserve •••• 4242
Reimbursement approved · credit pending
Reimbursement confirmation.pdf

Simulated confirmation. Coverage, amount and timeframe apply only to the example case.

Illustrative example · you decide before authorizing.
EVERYTHING STAYS CONNECTED

Life changes.
Your plan does too.

An unexpected expense changes what is left. See how your plan adjusts, keeping your loan payment and trip in view.

Reevalúa at work Your plan

Your salary still has a plan

$6,000 a month
Expenses $3,650
Loan payment $879.16
Travel goal $500
Available to invest $970.84
Groceries +$150 · We recalculate without changing your loan payment or goal.
PRESS AND RECOGNITION

We keep growing.
With you, and for you.

We started by helping people regain financial opportunities. Today, we work to bring you closer to what you want to achieve.

More news from Reevalúa
REEVALÚA+

We work for you.
So you can move forward.

You choose the goal. We research, compare, take action and follow up. You authorize when needed.

Available service in Peru · billed in PEN

S/30a month

Start with Reevalúa Monthly subscription · Reevalúa+
LIFE GOES ON

What would you like to
make possible?

Organize your accounts. Leave a debt behind. Save for that trip. Start by telling us what you need.

Talk to Reevalúa
KEEP EXPLORING

Information for clearer decisions.

Know your credit score, understand your debt report and find resources to look after your financial health.

These FAQs and service terms describe Reevalúa in Peru. Other pages are in Spanish.

Financial guides and optionsBased on your profile, debts and goals
More about our journey
Read at your own paceCredit, debts and credit history
View all blog articles
Before you start: frequently asked questions28 answers, organized by topic
About the service4 questions
What is Reevalúa?

Reevalúa is a Peruvian financial health platform. It helps you understand your financial assessment, reported debts, credit score and credit options based on your profile. Start with your Peruvian national ID (DNI) and check your score for free. When a suitable option is available, you can explore loans or debt negotiation under the applicable terms. Reevalúa+ is a separate option: for S/30 a month, it includes your report, goals, tasks and follow-up, with our support to plan your next steps.

What does Reevalúa+ include for S/30 a month?

Reevalúa+ is a S/30 monthly subscription that includes your report, goals and tasks to help you prioritize and move forward with follow-up through WhatsApp. We support you with organization, negotiation, credit, savings, investing and insurance, depending on your situation. A free credit score check and a debt report are different services: the report contains more detail about your credit history and is included in Reevalúa+.

Who can use Reevalúa?

Reevalúa is mainly for people who want to understand their financial situation in one place: see their reported debts, check their score and get a clear starting point. It also helps people who want to organize and prioritize debts, decide what to address first and take steps forward. If you have been declined for credit or are considering a loan, you can understand how lenders see you and what you could improve. You can also activate Reevalúa+ for a plan with tasks and follow-up.

Why choose Reevalúa? How is it different from other companies?

Reevalúa helps you move from uncertainty to a clear, structured plan. Start with your DNI to view your reported debts and available credit profile. From there, organize debts, evaluate credit options or activate Reevalúa+ to work with your report, goals and tasks. We support you through WhatsApp, while your account brings your information and options together. We help prepare a strategy with clear limits, without guaranteeing discounts or approvals. You also have financial education resources and tools to build lasting habits and improve your financial health.

About the process7 questions
What if my bank is not among the available institutions?

You can still use Reevalúa: your assessment and financial snapshot help you organize your situation even if your bank is not listed. If an option is available for that institution, we will show it to you. Otherwise, you can use the information to plan your next steps. Available institutions and options depend on the product, your case and current agreements.

How do I start using Reevalúa?

Register and activate your account to see your financial snapshot in one place: your reported debts and how the financial system currently sees you. Then choose your next step: organize debts, evaluate credit options with partner institutions or activate Reevalúa+ for a plan with tasks for your goals.

How does debt negotiation work?

Start with your assessment and set your priorities. If you choose to negotiate, we review your case, define a realistic strategy and guide you in working with your creditors toward the best agreement possible for your situation. Negotiation is prepared within limits you set. Any agreement depends on the creditor and requires your review and authorization.

What kinds of debt do you handle?

Mainly financial debts such as credit cards, personal loans and credit lines, depending on available information. This does not include informal loans between individuals, such as family or friends. Reevalúa helps you see and organize your situation from your account.

Will you really help me settle overdue debt at a 90% discount?

A reduction is not guaranteed. It depends on the lender, how old the debt is, its status and the terms the creditor accepts. The assessment helps organize your information before negotiation.

Can you also help me find credit if I need it?

Yes. Reevalúa helps you understand your profile and explore options that better fit your situation. Reevalúa does not provide loans or credit directly; it is an evaluation and comparison platform for informed decisions. Final approval, rates and terms depend on each lender's assessment.

How long do I need to pay for the plan?

The free account has no payments. Reevalúa+ is a monthly subscription: keep it while it is useful to you and cancel whenever you wish, subject to current terms. If you follow an agreement with a lender, the term depends on that agreement and your ability to pay.

About the benefits4 questions
What results can I expect with Reevalúa?

With Reevalúa, you can understand your starting point in minutes, get organized and know what to address first. Make better decisions to improve your credit history and choose your next step: organize your finances, negotiate or look for credit.

How does Reevalúa help improve my credit history?

Reevalúa helps you understand what usually affects your credit history and score, and follow a more organized plan. Lenders report to credit bureaus based on your payment behavior and agreements. Improvement is gradual and depends on the actions you take.

How is Reevalúa different from other platforms?

Reevalúa connects your financial assessment with your next steps: review the information in your account, organize priorities and evaluate options based on your profile. Reevalúa+ includes your report, goals, tasks and follow-up, with our support through WhatsApp. Start with your DNI and choose the support you need.

What if I still cannot pay my debts after using Reevalúa?

Even if you cannot pay everything today, you can move forward: organize, prioritize and choose a realistic path. Reevalúa helps you adjust your plan to your situation and evaluate available options without feeling overwhelmed.

About pricing3 questions
Is there an initial fee for Reevalúa?

Activating your account and viewing your financial snapshot requires no commitment. Reevalúa+ is optional and billed as a monthly subscription, costing just S/30.

What does the monthly subscription include?

Reevalúa+ includes your report, goals and tasks to turn your assessment into an actionable plan. It helps you prioritize, decide what to do first and adjust the plan as your situation changes. We support you through WhatsApp with next steps and follow-up, and you can review your information in your account.

What if I cannot reach a debt agreement?

We do not charge for the negotiation process. We review your case and suggest concrete alternatives so you can keep moving forward: reorganize debts and priorities for a sustainable plan, adjust the strategy (amount, term, lender and timing) to improve the chances of an agreement, and give you a clear path to protect your profile and improve future options. You can also activate Reevalúa+ to turn your assessment into tasks and next steps.

About privacy and trust3 questions
Is it safe to share my information with Reevalúa?

Yes. Your information is handled confidentially and in accordance with security standards. We hold international ISO 27001:2022 and SOC 2 Type II certifications. Your data is accessed with your authorization to provide your assessment and recommendations.

Do you guarantee results?

Reevalúa provides clarity, information and a plan to act on; it does not guarantee discounts, credit approvals or a specific score improvement. Start by reviewing your situation and options. With Reevalúa+, you can turn your assessment into goals and tasks. Results depend on your situation, your actions and each lender's decisions.

What assurance do I have that the service will work?

Thousands of people have used Reevalúa to organize their finances. Your account lets you review your information and options; Reevalúa+ adds your report, goals, tasks and our support to plan a realistic path. The service helps you decide more clearly, but does not guarantee an agreement, approval or a specific financial outcome.

About access3 questions
How do I access Reevalúa?

Register on the website and sign in to review your information and options. You can also talk to Reevalúa through WhatsApp to plan your next steps and receive support based on the service you choose.

What if I am not comfortable with technology?

The platform is designed to be simple. You can also request support for step-by-step guidance whenever you need it.

Can I use Reevalúa if I do not live in Peru?

For now, Reevalúa focuses on Peru, and we are working to expand to other countries in the region in the future.

About financial education4 questions
What financial education does Reevalúa offer?

We offer practical content for better decisions: budgeting, saving, payment habits, understanding credit history and scores, and choosing credit responsibly.

How can I access these materials?

Access materials through your account, the blog and Reevalúa's social media. WhatsApp is also a support channel for sharing resources or asking for help.

Can Reevalúa help me avoid future financial problems?

Yes. Our goal is to help you build clarity and lasting habits so you can stay in control, make informed decisions and avoid repeating cycles of financial disorganization.

Can I use Reevalúa if my employer wants to pay for the service?

Yes. Reevalúa for Business (B2B) is offered by some organizations as an employee benefit. If your employer activates it, you can access the service under that agreement, within the scope and terms defined by your employer.