aCuotaz is a Peruvian fintech digital financing solution that allows users to purchase products online and pay for them in convenient biweekly installments, without the need for a credit card or credit history. The app offers installments from S/100 to S/2000, with payment options in up to 9 biweekly installments, including 0% interest on the first installments. It is ideal for those looking for an affordable and flexible way to finance their purchases in online and physical stores, offering rapid approval through ID-based evaluation and clear payment options, including penalty-free prepayment. This alternative seeks to expand access to credit for unbanked people in Peru, enabling the purchase of a variety of products, from technology to household items.