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Para Mía-débito y crédito icon

Para Mía peso-loan data API

Grupo de desarollador de Para Mía · Lending 4.7 ★

Open on Google Play

Para Mía-débito y crédito is the Android cash-loan app from Grupo de desarollador de Para Mía for Mexican borrowers seeking unsecured peso credit without visiting a branch. Users register with a phone number, complete an application and review, and receive approved funds in a bank account. Published loan amounts are MXN 1,000–30,000 over 91–180 days, with daily interest of 0.01%–0.1%, a 2%–20% commission and 16% tax. Its screens cover available credit, first-loan confirmation, current and historical loans, a coupon wallet, revolving credit, repayment schedules, loan contracts and account cancellation. Repayment options include online transfers and convenience-store payments, with OXXO/Openpay barcodes shown in the app. Google Play lists a 4.74 rating from 236,998 reviews. It competes in Mexico’s consumer cash-loan market alongside Duxi Finanzas, Kueski and Credmex.

Peso-loan records connect principal am_prestamos_nt, order state es_orden_de and due date de_tiempo_re with the payout-account tail na_bancaria_no. Quotation data separates interest es_interes_ga, IVA vt_impuestos_ta and commission de_servicios_ta, while coupon records identify offers through id_cupon_st and their rules through ag_tag_uf.

Lending-operations teams can match order amounts to disbursements, and repayment monitoring can connect outstanding balances cu_rforonu_mt, instalment rows ss_repayPlan_list and store-payment references re_codigo_de. Product teams can compare amount-and-term choices with coupon-adjusted quotes, while application progress pa_actual_so supports identity-verification funnel monitoring. openData Studio turns these records into callable open data for those integrations.

Screenshots

  • Para Mía-débito y crédito screenshot 1
  • Para Mía-débito y crédito screenshot 2
  • Para Mía-débito y crédito screenshot 3
  • Para Mía-débito y crédito screenshot 4
  • Para Mía-débito y crédito screenshot 5

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

  • Send mobile OTP

    POST /v1/identity/challenges/start osint

    Sends the four-digit OTP used on the account-cancellation (log-off) screen, keyed by the Mexican mobile in te_movil_st.

    Auth: Unauthenticated form POST. Header source=Paramia; body nj_fuente_vf=Paramia, es_canal_pm=h5, te_movil_st=+52 plus the 10-digit mobile. Envelope code 0 is success; 402005/400187 reject the number format, 400142 means the mobile is not registered.

    • te_movil_st
    • nj_fuente_vf
    • es_canal_pm
    • code
    • message
    POST /v1/identity/challenges/start HTTP/1.1
Content-Type: application/x-www-form-urlencoded;charset=UTF-8
source: Paramia

te_movil_st=%3Cexample-mx-mobile%3E&nj_fuente_vf=Paramia&es_canal_pm=h5
    {
  "code": 0,
  "message": "OK",
  "data": {
    "te_movil_st": "<example-mx-mobile>",
    "ttlSeconds": 60
  }
}

  • Verify mobile OTP

    POST /v1/identity/challenges/confirm osint

    Confirms the OTP before the app will accept an account-close request, and surfaces whether an outstanding loan (code 400129) still blocks cancellation.

    Auth: Unauthenticated form POST. Header source=Paramia; body te_movil_st, au_coaudeh_th (4-digit code), nj_fuente_vf=Paramia, es_canal_pm=h5. Envelope 400116 is a wrong code; 400129 blocks close while a loan is open; 400210/400211 trigger native logout.

    • te_movil_st
    • au_coaudeh_th
    • nj_fuente_vf
    • es_canal_pm
    • code
    POST /v1/identity/challenges/confirm HTTP/1.1
Content-Type: application/x-www-form-urlencoded;charset=UTF-8
source: Paramia

te_movil_st=%3Cexample-mx-mobile%3E&au_coaudeh_th=0000&nj_fuente_vf=Paramia&es_canal_pm=h5
    {
  "code": 0,
  "message": "OK",
  "data": {
    "verified": true,
    "te_movil_st": "<example-mx-mobile>"
  }
}

  • Read account profile

    POST /v1/accounts/profile/read osint

    Loads the user-center header: masked mobile from fo_base_in.te_movil_st, whether the account already has a loan (es_prestamo_de), KYC/step cursor pa_actual_so, and unused-coupon count cu_paso_no.

    Auth: Logged-in WebView session with bh_token_qm in the form and Access-Token in the headers. Additional form fields nj_fuente_vf=Paramia and es_canal_pm=h5; header source=Paramia. Session-expiry codes 400113/400114 require login again.

    • ac_perfil_de
    • fo_base_in
    • te_movil_st
    • es_prestamo_de
    • pa_actual_so
    • cu_paso_no
    POST /v1/accounts/profile/read HTTP/1.1
Content-Type: application/x-www-form-urlencoded;charset=UTF-8
source: Paramia
Access-Token: <example-session-token>

bh_token_qm=<example-form-token>&nj_fuente_vf=Paramia&es_canal_pm=h5
    {
  "code": 0,
  "message": "OK",
  "data": {
    "ac_perfil_de": {
      "fo_base_in": {
        "te_movil_st": "<example-mx-mobile>"
      }
    },
    "es_prestamo_de": "1",
    "pa_actual_so": 101,
    "cu_paso_no": 2
  }
}

  • Read home loan snapshot

    POST /v1/credit/overview/read openfinance

    Provides the home loan snapshot. es_orden_de distinguishes idle (0/8), repayment (7/11/14/16) and overdue (9) states. am_prestamos_nt and de_tiempo_re supply the principal and due date; cy_clecred_it marks revolving credit, and ac_cuenta_id links the account.

    Auth: Logged-in WebView session. Form fields bh_token_qm, nj_fuente_vf=Paramia, es_canal_pm=h5 and optional device identifier pe_equipo_id; headers source=Paramia and Access-Token.

    • in_sobre_pr
    • es_orden_de
    • am_prestamos_nt
    • de_tiempo_re
    • cy_clecred_it
    • ac_cuenta_id
    • pe_equipo_id
    POST /v1/credit/overview/read HTTP/1.1
Content-Type: application/x-www-form-urlencoded;charset=UTF-8
source: Paramia
Access-Token: <example-session-token>

bh_token_qm=<example-form-token>&nj_fuente_vf=Paramia&es_canal_pm=h5&pe_equipo_id=<example-device-id>
    {
  "code": 0,
  "result": {
    "in_sobre_pr": {
      "es_orden_de": 7,
      "am_prestamos_nt": 10000,
      "de_tiempo_re": "2026-12-14",
      "cy_clecred_it": 0,
      "ac_cuenta_id": "example-account-001",
      "es_prestamo_de": "1"
    }
  }
}

  • List loan products

    POST /v1/credit/catalog/list openfinance

    Catalog behind the amount/term picker. Amount steps of 50 pesos run from mi_cantidad_np to ma_cantidad_xp; su_stage_num > 1 switches the UI into instalment (stage) mode.

    Auth: Logged-in WebView session. Form fields bh_token_qm, nj_fuente_vf=Paramia, es_canal_pm=h5; headers source=Paramia and Access-Token.

    • su_productos_it
    • idStr
    • ma_cantidad_xp
    • mi_cantidad_np
    • ma_period_xp
    • mi_period_np
    • su_stage_num
    POST /v1/credit/catalog/list HTTP/1.1
Content-Type: application/x-www-form-urlencoded;charset=UTF-8
source: Paramia
Access-Token: <example-session-token>

bh_token_qm=<example-form-token>&nj_fuente_vf=Paramia&es_canal_pm=h5
    {
  "code": 0,
  "result": {
    "su_productos_it": [
      {
        "idStr": "example-product-001",
        "ma_cantidad_xp": 30000,
        "mi_cantidad_np": 1000,
        "ma_period_xp": 180,
        "mi_period_np": 91,
        "su_stage_num": 1
      }
    ]
  }
}

  • Trial a loan quote

    POST /v1/credit/quotes/calculate openfinance

    First-loan calculator. Returns interest es_interes_ga, IVA vt_impuestos_ta and commission de_servicios_ta for the chosen amount/term, optionally applying a coupon (us_cpoidu_on / id_cupon_id).

    Auth: Logged-in WebView session. Form fields bh_token_qm, nj_fuente_vf=Paramia, es_canal_pm=h5; headers source=Paramia and Access-Token.

    • am_prestamos_nt
    • pe_period_od
    • id_productos_id
    • id_cupon_id
    • us_cpoidu_on
    • or_prestamo_pm
    • es_interes_ga
    • vt_impuestos_ta
    • de_servicios_ta
    • eu_pagtye_pe
    POST /v1/credit/quotes/calculate HTTP/1.1
Content-Type: application/x-www-form-urlencoded;charset=UTF-8
source: Paramia
Access-Token: <example-session-token>

am_prestamos_nt=10000&pe_period_od=91&id_productos_id=example-product-001&id_cupon_id=&tex_coupon_id=&us_cpoidu_on=false&se_exptcouon_id=false&eu_pagtye_pe=c&en_prestamos_de=2&es_prestamo_de=1&nu_etapa_mn=&nj_fuente_vf=Paramia&es_canal_pm=h5&bh_token_qm=<example-form-token>
    {
  "code": 0,
  "result": {
    "or_prestamo_pm": 10000,
    "pe_period_od": 91,
    "es_interes_ga": 910,
    "vt_impuestos_ta": 378,
    "de_servicios_ta": 1450,
    "id_cupon_id": "",
    "du_prestamo_de": 91
  }
}

  • Create a loan order

    POST /v1/credit/applications/submit openfinance

    Submits a cash-loan order from the borrowing-confirmation screen. Progress codes 101/102/105/1110 allow the application to continue; pa_actual_so identifies any remaining identity or face-verification steps.

    Auth: Logged-in WebView session. Form fields bh_token_qm, nj_fuente_vf=Paramia, es_canal_pm=h5 and app version pva_sionvbcw; headers source=Paramia and Access-Token. pa_actual_so 1001/1002/1004/1005/1010 require profile completion; 1006/106 require face verification.

    • lo_prestamo_an
    • pe_period_od
    • id_productos_id
    • pva_sionvbcw
    • pa_actual_so
    • re_prestamo_sf
    • id_orden_str
    POST /v1/credit/applications/submit HTTP/1.1
Content-Type: application/x-www-form-urlencoded;charset=UTF-8
source: Paramia
Access-Token: <example-session-token>

lo_prestamo_an=10000&pe_period_od=91&id_productos_id=example-product-001&pva_sionvbcw=2.0.7&nj_fuente_vf=Paramia&es_canal_pm=h5&bh_token_qm=<example-form-token>
    {
  "code": 0,
  "result": {
    "pa_actual_so": 101,
    "re_prestamo_sf": 0,
    "id_orden_str": "example-account-0011001"
  }
}

  • List current and history orders

    POST /v1/credit/records/list openfinance

    Actuales/historiales tabs. es_orden_ti=1 returns the live order in de_orden_de; 2 returns year buckets em_orden_li; 3 (with es_ano_pm/es_ems_pm) pages de_orden_li. or_estatus_pm paints review/disbursed/overdue states; na_bancaria_no is the payout CLABE/card tail.

    Auth: Logged-in WebView session. Form fields bh_token_qm, nj_fuente_vf=Paramia, es_canal_pm=h5; headers source=Paramia and Access-Token.

    • es_orden_ti
    • de_orden_de
    • em_orden_li
    • de_orden_li
    • id_orden_id
    • or_estatus_pm
    • lo_prestamo_an
    • un_pendiente_pd
    • na_bancaria_no
    • ap_tiempo_de
    • de_tiempo_re
    POST /v1/credit/records/list HTTP/1.1
Content-Type: application/x-www-form-urlencoded;charset=UTF-8
source: Paramia
Access-Token: <example-session-token>

es_orden_ti=1&nj_fuente_vf=Paramia&es_canal_pm=h5&bh_token_qm=<example-form-token>
    {
  "code": 0,
  "data": {
    "de_orden_de": {
      "id_orden_id": "example-order-001",
      "or_estatus_pm": 7,
      "lo_prestamo_an": 10000,
      "un_pendiente_pd": 12738,
      "ap_tiempo_de": "2026-09-14",
      "de_tiempo_re": "2026-12-14",
      "pe_period_od": 91,
      "na_bancaria_no": "****5678",
      "es_interes_ga": 910,
      "vt_impuestos_ta": 378,
      "de_servicios_ta": 1450,
      "es_prestamo_de": 0
    }
  }
}

  • Read loan order detail

    POST /v1/credit/records/detail openfinance

    Loan-detail screen. de_orden_de is the order header (principal, fees, IVA, late fee es_anciones_ga, failure reason or_fracaso_ca); de_devolucion_li is the repayment ledger with channel re_canal_pm, amount im_reembolso_de, account tail re_cuenta_de and optional barcode re_codigo_de.

    Auth: Logged-in WebView session. Form fields bh_token_qm, nj_fuente_vf=Paramia, es_canal_pm=h5, id_orden_id; headers source=Paramia and Access-Token.

    • id_orden_id
    • de_orden_de
    • de_devolucion_li
    • re_canal_pm
    • im_reembolso_de
    • re_cuenta_de
    • re_metodo_pm
    • re_codigo_de
    • ti_exencion_de
    • es_anciones_ga
    • or_fracaso_ca
    POST /v1/credit/records/detail HTTP/1.1
Content-Type: application/x-www-form-urlencoded;charset=UTF-8
source: Paramia
Access-Token: <example-session-token>

id_orden_id=example-order-001&nj_fuente_vf=Paramia&es_canal_pm=h5&bh_token_qm=<example-form-token>
    {
  "code": 0,
  "data": {
    "de_orden_de": {
      "id_orden_id": "example-order-001",
      "or_estatus_pm": 7,
      "lo_prestamo_an": 10000,
      "un_pendiente_pd": 12738,
      "es_interes_ga": 910,
      "vt_impuestos_ta": 378,
      "de_servicios_ta": 1450,
      "es_anciones_ga": 0,
      "na_bancaria_no": "****5678",
      "or_fracaso_ca": 0
    },
    "de_devolucion_li": [
      {
        "re_canal_pm": "OXXO",
        "im_reembolso_de": 4246,
        "de_tiempo_re": "2026-10-14",
        "re_cuenta_de": "****5678",
        "re_metodo_pm": 1,
        "re_codigo_de": "example-barcode",
        "ti_exencion_de": 1
      }
    ]
  }
}

  • Read repayment plan

    POST /v1/repayments/schedule/read openbanking

    Repayment hub and repay-code screen. cu_rforonu_mt is still-due, re_payapln_st / ss_repayPlan_list are instalment rows, re_codigo_de is the CODE128 barcode shown for OXXO/Openpay, and to_openpay_ta carries the Openpay payload JSON.

    Auth: Logged-in WebView session. Form fields bh_token_qm, nj_fuente_vf=Paramia, es_canal_pm=h5; headers source=Paramia and Access-Token.

    • es_info_ma
    • es_orden_de
    • cu_rforonu_mt
    • de_tiempo_re
    • rl_orderstat_us
    • re_payapln_st
    • ss_repayPlan_list
    • re_codigo_de
    • de_comisiones_fe
    • to_openpay_ta
    • un_pendiente_pd
    POST /v1/repayments/schedule/read HTTP/1.1
Content-Type: application/x-www-form-urlencoded;charset=UTF-8
source: Paramia
Access-Token: <example-session-token>

bh_token_qm=<example-form-token>&nj_fuente_vf=Paramia&es_canal_pm=h5
    {
  "code": 0,
  "result": {
    "es_info_ma": {
      "es_orden_de": 7,
      "cu_rforonu_mt": 12738,
      "de_tiempo_re": "2026-12-14",
      "rl_orderstat_us": 0,
      "rl_lastamou_nt": 0,
      "rl_lastti_me": "",
      "repayment_current_stage": 1,
      "re_codigo_de": "example-barcode",
      "de_comisiones_fe": 15,
      "un_pendiente_pd": 12738,
      "to_openpay_ta": "{\"re_codigo_de\":\"example-barcode\"}",
      "re_payapln_st": [
        {
          "ss_repayPlan_list": [
            {
              "stage": 1,
              "cu_rforonu_mt": 4246,
              "de_tiempo_re": "2026-10-14"
            }
          ]
        }
      ]
    }
  }
}

  • List coupons

    POST /v1/rewards/vouchers/list opendata

    Coupon wallet. ty_lista_pe 1=active, 2=used, 3=expired fills us_data_li; ty_cupon_pe 6 is an extend (zhanqi) coupon; ag_tag_uf is the rule copy shown when a row is expanded.

    Auth: Logged-in WebView session. Form fields bh_token_qm, nj_fuente_vf=Paramia, es_canal_pm=h5; headers source=Paramia and Access-Token.

    • ty_cupon_pe
    • ty_lista_pe
    • mk_compensacion_uv
    • us_data_li
    • id_cupon_st
    • am_distribucion_nt
    • ag_tag_uf
    • ex_tn_pe
    POST /v1/rewards/vouchers/list HTTP/1.1
Content-Type: application/x-www-form-urlencoded;charset=UTF-8
source: Paramia
Access-Token: <example-session-token>

ty_cupon_pe=&ty_lista_pe=1&mk_compensacion_uv=0&nj_fuente_vf=Paramia&es_canal_pm=h5&bh_token_qm=<example-form-token>
    {
  "code": 0,
  "data": {
    "us_data_li": [
      {
        "id_cupon_st": "example-coupon-001",
        "ty_cupon_pe": 6,
        "am_distribucion_nt": 200,
        "ag_tag_uf": "$200 off first loan",
        "ex_tn_pe": 1,
        "isshow": false
      }
    ]
  }
}

  • Fetch loan contract

    POST /v1/agreements/preview openfinance

    HTML contract shown on the loan-contract screen before the borrower confirms. Amount, term, product and coupon ids are echoed so the document matches the trial quote.

    Auth: Logged-in WebView session. Form fields bh_token_qm, nj_fuente_vf=Paramia, es_canal_pm=h5, id_sistema_de=Paramia; headers source=Paramia and Access-Token.

    • or_prestamo_nt
    • pe_period_od
    • en_prestamos_de
    • es_prestamo_de
    • id_cupon_id
    • id_productos_id
    • id_sistema_de
    • im_contrato_nt
    • or_contrato_nt
    POST /v1/agreements/preview HTTP/1.1
Content-Type: application/x-www-form-urlencoded;charset=UTF-8
source: Paramia
Access-Token: <example-session-token>

or_prestamo_nt=10000&pe_period_od=91&en_prestamos_de=2&es_prestamo_de=1&id_cupon_id=&id_productos_id=example-product-001&id_sistema_de=Paramia&nj_fuente_vf=Paramia&es_canal_pm=h5&bh_token_qm=<example-form-token>
    {
  "code": 0,
  "data": {
    "im_contrato_nt": "<html>Contrato de crédito…</html>",
    "or_contrato_nt": "example-contract-001",
    "or_prestamo_nt": 10000,
    "pe_period_od": 91
  }
}

Data categories

  • identity
  • loan products
  • loan orders
  • repayment plans
  • bank accounts
  • coupons

Where teams use this data

  • Disbursement reconciliation

    Ops bots pull de_orden_de after each createCasualOrder and match lo_prestamo_an plus na_bancaria_no against SPEI credits, using or_estatus_pm to tell review from already-disbursed.

  • Collections and overdue watch

    A collector reads cu_rforonu_mt / un_pendiente_pd, the instalment grid in ss_repayPlan_list, late fee es_anciones_ga, and the OXXO barcode re_codigo_de so store-pay receipts can be matched without calling support.

  • Pricing and coupon analytics

    Product teams compare the product catalog and loan quotations to review published amount/term ladders and the split of es_interes_ga / de_servicios_ta / vt_impuestos_ta, then join us_data_li coupons (id_cupon_st, ty_cupon_pe) to see which offers actually change the quote.

  • KYC funnel drop-off

    pa_actual_so codes 1001–1010 and 1006/106 from createCasualOrder, plus cu_paso_no on the profile, show which borrowers stalled on basic info versus face liveness before a peso was booked.

Frequently asked questions

What loan amounts and terms does Para Mía cover?

Published amounts are MXN 1,000–30,000 over 91–180 days. Product records use mi_cantidad_np and ma_cantidad_xp for amount limits, with 50-peso increments, mi_period_np and ma_period_xp for term limits, and su_stage_num for instalment stages. Quote records separate interest es_interes_ga, IVA vt_impuestos_ta and commission de_servicios_ta. The examples are illustrative, not a live loan offer.

Which fields help reconcile store repayments?

re_codigo_de represents the repayment barcode displayed in CODE128 format, to_openpay_ta holds the Openpay payment payload, de_comisiones_fe represents the store commission and un_pendiente_pd the amount still due. Repayment history links the channel re_canal_pm with the paid amount im_reembolso_de and masked account re_cuenta_de. All payment codes and account values shown in the examples are placeholders.

What authentication model do the examples use?

The mobile-code send and confirm examples use unauthenticated form submissions in the account-cancellation flow. Profile, lending, coupon and contract examples require a logged-in session, represented by an Access-Token header and the form token bh_token_qm. Tokens and identifiers are placeholders, and the illustrative paths are not production routes.

Apps similar to Para Mía-débito y crédito

  • Duxi Finanzas: Préstamo Seguro — Duxi Finanzas is a CNBV-authorized, CONDUSEF-registered Mexican lender whose app offers peso cash loans of MXN 1,000–30,000 over 91–365 days at a published annual rate of 36%–360% plus 16% IVA, with bank-transfer disbursement and SPEI or OXXO repayment.
  • Kueski — Kueski (Kueski, S.A.P.I. de C.V., SOFOM, E.N.R.) is a CONDUSEF-registered Mexican SOFOM whose personal loans range from MXN 60 to 26,000 over 99–180 days in 1–12 installments, with a published APR of 0%–486%.
  • Credmex — Credmex is the consumer app of Impulsa tu Rendimiento, S.A.P.I. de C.V., SOFOM, E.N.R., advertising personal loans of up to MXN 50,000 with INE/IFE and CURP onboarding and funds deposited in minutes after confirmation.
  • Baubap — Baubap (Baubap, S.A.P.I. de C.V., SOFOM E.N.R.) is a CONDUSEF-registered Mexican SOFOM whose app offers loans of MXN 500–10,000 over 90 days to 24 months without a credit-bureau check, at a published maximum APR of 300%.
  • Tala — Tala México (TALA MOBILE, S.A.P.I. DE C.V., SOFOM, ENR) is a CONDUSEF-registered cash-loan app that advertises personal loans that can grow to MXN 22,000, repayment from 15 days up to four months (up to 120 days depending on the product), and payment by SPEI or at Paynet/OXXO stores.
  • DiDi Finanzas — DiDi Finanzas is DiDi's Mexico finance app, offering a revolving DiDi Préstamos line of MXN 200–46,800 over up to 180 days with CLABE disbursement and SPEI or OXXO repayment, plus DiDi Card and DiDi Cuenta.
  • Stori - Crédito y Ahorro — Stori is a Mexican credit-and-savings app that issues no-annual-fee Stori Green and Stori Black credit cards plus Stori Cuenta+, a digital account with yield-bearing savings, debit, and bill pay.

More Lending apps

Topics

  • Para Mía API
  • Para Mía loan data
  • Mexican peso loans
  • OXXO repayment data
  • CLABE payout account tails
  • loan quotation fields
  • repayment schedules
  • loan coupon data

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