Just loans: the real challenge of reinventing the microcredit in Mexico
PR Newswire
Mexico City, May 8, 2025
Launched in 2024, Indrive Money was born as a response to provide fair, human and barriers to those who most need credit alternatives, such as drivers and entrepreneurs.
Mexico City, May 8, 2025/ PRNewswire/ – One of the key challenges of financial inclusion in Mexico is to close the access gap. Only 68% of the population has at least one financial product, according to official data. So there are thousands of people who need these products, but who have historically been ignored by traditional options.
“In access to credit there is a fundamental need to innovate; the products must be adapted to the needs of each person, to their human context. These are users who, given an urgency or an opportunity, need an accessible and fair impulse. Because, in short, credit access should not depend on the privilege of birth in the right family,” explains Rafael Garza, general director of Indrive in Mexico.
With this vision, in 2024 the platform launched Indrive Money, a microcredit option within reach of the cell phone that boosters drivers who travel the roads every day, support their families and strive to keep their vehicles in good condition; And that, in many cases, build their own businesses. The results reveal that this tool encourages access and promotes financial education as a basis for improving its economic stability and entrepreneurship capacity.
More than a loan, a confidence model
In a year of operation, Indrive Money has created real opportunities based on something essential: confidence in people. According to platform data, 46 percent of drivers who have used the credit solution have done more than once. Cadacrédito has an average credit value of 4,800 pesos.
Driver’s testimonies remember that this type of services are not minor. For many, it is the first time they feel that someone trusts their word and their work. Indrive Money does not ask for impossible guarantees or require exclusive requirements; On the contrary, it offers lower than traditional rates, with clear, fast and accessible conditions.
Digitization with purpose
Today, 70% of Mexicans use mobile applications to manage their finances. That represents a historical opportunity. And reveals that technology is no longer just comfort; It is access, it is financial empowerment for those who need it most.
“We assume that challenge with a clear vision: to combat injustices wherever they exist. That is our mission, and that includes unequal access to credit. We know that millions of people still live outside the financial system simply for not adjusting to models that were not designed for them. In that sense, our motivation is deep: create a financial solution that aligns to the vision of our CEO, Arsen Tomsky reinvent capitalism, “adds Rafael Garza.
A silent revolution on wheels
For Garza, the great revolutions do not always come in speeches. Sometimes they happen in the form of microcredits. Of platforms they listen. Of platforms that understand that their purpose is much larger than their business model.
“Indrive Money is that, a way of saying ‘yes you can’ who have so many times heard the opposite. And the more people access these tools, the closer we will be from a Mexico where progress is a possible virtue for everyone,” concludes the general director of INDRIVE in Mexico.
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Indrive source
