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← Embedded Finance Index 2026/Vendor

Mercado Crédito

Provider
Lending

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 1 category.

mercadocrdito.com ↗
CategoriesLending
Rank#110 of 255 in Lending
Buyers2 companies

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Who uses Mercado Crédito
2 companies disclose Mercado Crédito in their stack
Mercado PagoMercado Pago Chile
What the disclosures say
Mercado Pago
“Mercado Pago Developers page describes Mercado Crédito as 'the buy now pay later of Mercado Pago' with 12M+ pre-approved users; Valor Econômico 2020 coverage of Mercado Crédito launch with rates from 2.99%/month; Bloomberg Línea on Conta Negócio SMB credit; mercadopago.com.ar shows full lending product suite including…”
Mercado Pago Chile
“fintechile.org and creditoschile.com confirm Mercado Libre/Mercado Pago directly grants loans (Mercado Crédito) to SMEs and offers consumer BNPL (Cuotas sin Tarjeta) without third-party lender.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Mercado Crédito? Claim this profile above to unlock your own full list.
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Alternatives to Mercado Crédito

Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Affirm65 buyers →Klarna55 buyers →YouLend46 buyers →Mambu36 buyers →Stripe Capital33 buyers →Wisetack27 buyers →Liberis21 buyers →Afterpay16 buyers →
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Ranked #110 of 255 in Lending — Embedded Finance Index 2026
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<a href="https://www.embeddedfinanceindex.com/vendors/mercado-cr-dito?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/mercado-cr-dito.svg"
       alt="Ranked #110 of 255 in Lending — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/mercado-cr-dito/install" width="1" height="1" alt="" style="display:none">

Mercado Crédito — frequently asked

Which companies use Mercado Crédito?

2 companies are linked to Mercado Crédito in the Embedded Finance Index 2026, through their own public disclosures or Mercado Crédito's published customer list, including Mercado Pago and Mercado Pago Chile.

What does Mercado Crédito do?

Mercado Crédito is an embedded-finance provider in Lending. It ranks #110 of 255 Lending providers by linked companies.

What are the alternatives to Mercado Crédito?

The most-named Lending alternatives to Mercado Crédito are Affirm (65 buyers), Klarna (55 buyers), YouLend (46 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).

Benchmark your own stack

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Get a read on where your own stack stands against Mercado Crédito and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.

  • Your category, mappedHow your stack compares to Mercado Crédito and the other buyers it serves.
  • Build vs. buyWhere a provider relationship would close a gap faster than building it.
  • A named analyst, not a form replyA short call to scope what's actually worth assessing for you.

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