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DiDi Finanzas es la app integral creada por DiDi que ofrece servicios de crédito revolvente, tarjeta de crédito.
Senior reviews editor
DiDi Finanzas is a finance app from DiDi that bundles three products: a revolving personal loan (DiDi Préstamos), the DiDi Card credit card and the DiDi Cuenta savings account. Every step is done online, with amounts stated in Mexican pesos (m.n.).
The listing presents it as a way to get credit for daily spending or emergencies, at any hour, with an application that takes about 5 minutes. People who want a small, fast online loan or a card with installment options are the audience it describes.
The build we hold is DiDi Finanzas: Rápido y seguro 3.2.2 (APKS split bundle) for Android 7.0 and up.
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You pick an amount between 200 and 46,800 pesos and can repay over up to 180 days. Once the application is approved, you draw the amount you need, then enter your CLABE so the money is deposited into your bank account.
Repayments can be made by SPEI transfer or in cash at OXXO. The loan can be requested and used at any time, 24 hours a day, 365 days a year. Approval depends on a credit evaluation.
The listing gives an informational average CAT of 459.5% without IVA, calculated on 9 May 2025, and an ordinary annual interest rate between 48% and 144%.
The DiDi Card is a credit card issued by Regigold, S.A. de C.V. and backed by Mastercard. The listing says it has no annual fee for life and no hidden commissions, and it can be applied for from a phone in about 3 minutes.
Cashback reaches up to 6% in selected categories. New users receive 3 coupons, each covering one purchase paid in 3 months without interest (MSI). New and existing users can also use MSI at partner merchants.
The listed informational CAT is 119.9% without IVA, calculated on 8 August 2025, with a fixed weighted average annual rate of 80.34% without IVA. Approval requires a credit evaluation.
DiDi Cuenta pays daily returns on the funds you deposit. The listing states there is no minimum deposit and no commissions, and that transfers and collections can be made at any time.
The account itself is not opened inside DiDi Finanzas. The listing says the app is used for promotional purposes, and that users who want an account must apply in the separate app run by J.P. Sofiexpress, S.A. de C.V., S.F.P.
Customer service is reachable by phone at 800 953 3300, Monday to Sunday from 8:00 to 20:00, or through the in-app option "Atención al Cliente DiDi". Terms and the privacy notice are linked from the listing.