adelantos.com
What adelantos.com is and where it sends you
If you type adelantos.com into a browser, it currently redirects to adelantos.com.ar, a Spanish-language site offering short-term personal loans (“adelantos” / quick cash advances) in Argentina. The homepage positions the product as a fully online process with disbursement “in less than 2 minutes,” once your identity and documentation checks are completed.
The site also publishes who is behind it: IXPAY S.A., with an address in Ciudad Autónoma de Buenos Aires and a public contact email.
What Adelantos says it offers
Adelantos markets itself as a quick personal-loan option where you apply online, receive an offer based on your data, pass validations, and then get a bank transfer to your account. The flow they describe is basically:
- you submit personal details
- they generate an offer (and you can request less than the offered amount)
- they validate identity and documents to reduce fraud
- they transfer the money to your bank account, advertised as very fast
They also state core eligibility requirements up front: being over 18, having an Argentine DNI, having a CBU (bank account) and debit card, and having a mobile phone for validation.
Loan ranges, timing, and interest disclosures
Adelantos pages include a standardized “Información financiera” disclosure that lists the product’s headline parameters: loan amounts from ARS 1,000 up to ARS 800,000, a minimum term of 120 days, maximum term of 180 days, and a Tasa Nominal Anual (TNA) from 168% (they also reference TEA in the same disclosure block).
Those numbers matter because they put this firmly in the high-cost, short-term credit category. In practice, whether the offer you personally see is smaller, larger, cheaper, or more expensive depends on their risk checks and whatever “Entidad Originante” ends up underwriting your credit.
One detail that’s easy to miss: Adelantos’ terms describe the site as a place where people can be connected with credit-granting companies (the “Entidad Originante”), and it explicitly says approval is not guaranteed, even if you submit everything correctly.
Who actually gives the credit and who can contact you
Adelantos’ terms explain a model that’s common in online lending: the site may connect you with lending entities and transfer your personal data to them for credit analysis and contact. It also says the user authorizes that transfer for the purpose of evaluating and negotiating credit terms, and that communications may happen through phone, email, SMS, or WhatsApp-style messaging.
This is important if you’re trying to understand “who owns the loan” after you accept an offer. The same terms also describe repayment mechanisms like automatic debit via CBU and alternative payment channels if needed.
Data collection, credit reporting language, and privacy posture
The terms list the kinds of information a user might be asked to provide. Beyond basic identity and contact info, it can include employer information and banking data like CBU, among other personal details.
They also include language about what can happen if you don’t pay: the site states that in the event of noncompliance it may report the situation to credit-risk databases and gives examples such as Nosis and Veraz (and even references Mercado Libre in that list).
On the privacy-policy side, Adelantos says it uses security controls to protect information in storage and transmission (encryption, firewalls, intrusion detection), and it outlines circumstances in which information could be disclosed without consent, including requests from courts and certain Argentine authorities such as BCRA, AFIP, and UIF acting within their functions.
Consumer rights: revocation window and support channels
In its terms, Adelantos states a 10 business day right to revoke acceptance of the service from the date of disbursement, with the obligation to reimburse amounts received if you exercise that right.
They also reference customer service contact and formal ways to reach them (email and phone lines), plus a help center that covers account management, payments, fraud, and “arrepentimiento” (withdrawal/revocation guidance).
Fraud risks and how Adelantos tells users to protect themselves
Because “loan scams” are a real thing, this part is worth taking seriously. Adelantos’ help center says they’ve detected fake social media profiles pretending to be them, and they give practical red flags: odd page names, low followers, wrong business category, requesting personal data or payments to unknown accounts, and contacting users through personal profiles.
They also publish very specific warnings:
- they say they do not provide customer support via WhatsApp, and list official channels like email and their help-center form
- they say they will never ask you to transfer money to “verify” your account, pay “administrative costs” to get credit or a clearance letter, share homebanking passwords, or go to an ATM to do requested movements
- for collections and payments, they direct users to do it through “Mi Cuenta” and official emails, and explicitly warn against paying based on WhatsApp messages or non-official instructions
If you’re evaluating the domain adelantos.com specifically, one simple safety practice is: always confirm you’re on the official redirected domain (adelantos.com.ar) and avoid clicking random ads or DMs that imitate it.
When a product like this can make sense (and when it usually doesn’t)
A short-term, high-rate loan can be rational if the alternative is worse and you have a clear repayment plan. Example: avoiding an overdraft cascade, paying a time-sensitive bill to prevent service shutoff, or bridging to a known incoming payment. But the “known incoming payment” part is not optional. If repayment depends on luck, future borrowing, or “I’ll figure it out,” it gets expensive fast.
If you’re comparing options in Argentina, a basic checklist helps:
- total cost (not just the monthly payment)
- whether repayment is automatic debit and what happens if it fails
- what credit bureau impact is described for late payments
- whether you’re dealing with Adelantos directly or a separate originating lender
- what support channels exist for disputes and fraud reports
Key takeaways
- adelantos.com currently redirects to adelantos.com.ar, a quick-loan site operating in Argentina.
- The operator is listed as IXPAY S.A., with published contact details and address in Buenos Aires.
- Disclosed product parameters include ARS 1,000–800,000, 120–180 day terms, and TNA from 168%.
- The terms describe a model where user data may be transferred to an “Entidad Originante,” and approval is not guaranteed.
- Their help center strongly warns about impersonation scams and states they won’t ask for transfers, passwords, or ATM actions.
FAQ
Is Adelantos a bank?
No. Based on its terms, it operates as a website that can connect users with credit-granting entities (and/or act as an originator depending on the case), rather than presenting itself as a bank.
How fast do they say the money arrives?
The homepage claims a transfer to your bank account in less than 2 minutes after validation.
What are the published loan limits and rates?
Their “Información financiera” disclosure states ARS 1,000 to ARS 800,000, 120–180 day terms, and TNA from 168% (they also reference TEA).
What information might they collect?
The terms say users may be asked for personal details including identity and contact data, employer information, and banking details like CBU, among others.
What should I do if someone contacts me on WhatsApp claiming to be Adelantos?
Adelantos’ help center says they don’t provide customer service via WhatsApp and warns against sharing sensitive information or sending payments based on those messages. Use the official emails and “Mi Cuenta” channels instead.
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