Nu Colombia expands its credit portfolio: Adds two new cards and launches loans ranging from $100 thousand to $45 million Colombian pesos

Bogotá, October 20, 2025. Nu Colombia is expanding its financial product offering with the launch of two new credit cards and two lines of personal loans. This strategy seeks to break the barriers that keep millions of people outside the formal financial system, based on the premise that access to financial services should not be a privilege; it is the lever for growth and the foundation of quality of life.

The challenge is significant: according to Banca de Oportunidades, 65% of Colombians do not have access to the formal credit system, and approximately 30 million adults do not own a credit card.

From one type of credit card to three: More doors for access

To combat financial exclusion in Colombia, Nu has created an integral ecosystem that addresses the problem from multiple fronts. This includes facilitating the building of credit history and offering formal loan alternatives to respond to the access challenges in the country’s financial sector.

“We know that every person has a different starting point. That is why, instead of a single door, we developed three,” affirms Marcela Torres, General Manager of Nu Colombia.

The standard Nu credit card, with a $0 annual fee and no hidden costs, already has users in all 32 departments of the country; however, only 15% of applicants can access it. Therefore, two new options are now being added:

• NuControl: Following a successful pilot phase in which customers evaluated the product, this credit card is now available to all Colombians. It offers low management fees combined with differentiated interest rates, designed to help build credit history for those who had not been accepted before. With NuControl, Nu can approve between 40% and 60% of applications.
• Morada Abrecaminos: The solution for those who have no credit history. It works with a security deposit: the user obtains a credit limit based on the amount deposited in their Nu Savings Account. This pilot seeks to grant access to the vast majority of Colombians who are currently excluded from the system.

Nu Loans, the same simple, human, and transparent experience

Nu enters the personal loan market with a 100% digital experience where the customer personalizes the amount, simulates the conditions from their cell phone, and receives the immediate disbursement into their Nu Account. There are no hidden fees or fine print.

• Nu Light Loan (Préstamo Ligero Nu): Low-amount credit, from $100,000 up to $5 million Colombian pesos Repayment term of 1 to 48 installments. Maximum interest rate: 64.35% E.A.
• Nu Personal Loan (Préstamo Personal Nu): Unrestricted credit for free investment up to $45 million Colombian pesos. Repayment term of 1 to 60 installments. Maximum interest rate as of October 2025: 24.36% E.A.

Access to these products will be gradual: Nu will activate this functionality for Savings Account customers based on their profile.

“With this new experience, which is 100% digital, fast, and paperless, we want more Colombians to feel the backing of Nu to achieve their financial goals, but above all, to consolidate the path toward a more inclusive financial market. We dream of a country where there are no barriers or bureaucracies that prevent people from having control of their finances,” assured Marcela Torres, General Manager of Nu Colombia.

With these new options and financial products, Nu strengthens its financial inclusion strategy in Colombia and across the entire region. To date, the company has included 31 million people in the financial system worldwide.