A. M. 
As part of its Financial Inclusion strategy, the NIU App seeks to open the doors of formal credit to thousands of salvadorans who currently finance themselves in the informal sector, exposing themselves to abusive practices that exceed the limits of the Law Against Usury.
With this innovation, the NIU App redefines the rules of credit in El Salvador, offering an accessible, digital, and secure alternative that allows anyone—regardless of their credit history or income level—to access a credit card and begin building or rebuilding their credit history.
“At NIU, we believe that the financial system should adapt to people, not the other way around, and that everyone deserves a second chance. That is why we are developing this innovation with the support of Banco CUSCATLAN, redefining the rules of credit in El Salvador. This creates more than just a 100% guaranteed credit card for people without a positive credit history; it is a symbol of inclusion and financial progress”, said Alexis Rivera, CEO of NIU App.
To get a 100% guaranteed Niu Credit Card, the only requirement is to have a Niu Savings Account and digitally reserve a portion of your account balance to automatically convert it into your credit line, while continuing to earn up to 3.5% annual interest on your total savings.
“The process for obtaining the 100% guaranteed Niu Credit Card is simple and digital, allowing immediate access to the card, without additional paperwork or having to visit a branch, thus taking a decisive step in creating more opportunities for all salvadorans”, said Mabellyne Albayeros, Niu App Product manager.
Thanks to this new financial product, customers have the opportunity to rebuild their credit history, improve their financial profile, and gain access to better living conditions in the future.
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