Novedades en cuatro bancos que ofrecen créditos a reportados en este 2026
Estar reportado en centrales de riesgo como DataCrédito ya no es una sentencia definitiva de exclusión financiera. Gracias a la consolidación de la modalidad de libranza y al auge de productos garantizados, diversas entidades bancarias han diseñado rutas para que quienes tienen un historial negativo puedan acceder a liquidez y, lo más importante, saneen su perfil crediticio.
TL;DR
- Individuals with negative credit histories can now access financial products and improve their credit profiles.
- Finandina offers a Guaranteed Credit Card backed by a CDT, minimizing the importance of credit bureau scores.
- Banco de Bogotá focuses on payroll loans (libranza), where repayments are deducted from salary, reducing bank risk.
- AV Villas provides consumer loans via payroll deduction for those with negative reports, provided they meet minimum employment and income requirements.
- Banco Agrario offers specific programs for independent workers and small producers, often with guarantees from the Fondo Nacional de Garantías (FNG), making credit more accessible.