Colombia's Usury Rate Drops to 29.24% in September, First Decline in 2026

Colombia's financial regulator lowered the maximum usury rate to 29.24% for September, the first decrease of the year.

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As of 2026-09-02 05:01 UTC. Market figures are as the cited sources reported them at that time and may have moved since. This is news, not investment advice.

The Superintendencia Financiera certified the usury rate at 29.24% for September 2026, a reduction of 0.42 percentage points from the 29.66% rate in August. ^[1] Andrés Gutiérrez, CEO of Tpaga, stated that the company plans to multiply its annual transaction volume by five within the next year. ^[2] The new rate of 29.24% sets the maximum ceiling that financial entities can charge for consumer and ordinary loans. ^[3] This rate reduction marks the first decline in the usury indicator for 2026, following several months of increases and a period of stability in July. ^[4] Andrés Gutiérrez reported that the partnership with Serfinanza has resolved the fintech's primary challenge regarding profitability. ^[5] Serfinanza acquired a 30% stake in Tpaga in March as part of a digital transformation strategy. ^[6] Tpaga currently serves over 4.5 million unique users across various products including point-of-sale terminals and payment gateways. ^[7] Banco W charges 29.16%, Serfinanza charges 28.91%, and Banco Falabella charges 28.73%, placing them among the entities with rates closest to the new usury limit. ^[8]

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The Superintendencia Financiera certified the usury rate at 29.24% for September 2026, a reduction of 0.42 percentage points from the 29.66% rate in August. · El Colombiano

Andrés Gutiérrez, CEO of Tpaga, stated that the company plans to multiply its annual transaction volume by five within the next year. · Diario La republica

The new rate of 29.24% sets the maximum ceiling that financial entities can charge for consumer and ordinary loans. · El Colombiano

This rate reduction marks the first decline in the usury indicator for 2026, following several months of increases and a period of stability in July. · El Colombiano

Andrés Gutiérrez reported that the partnership with Serfinanza has resolved the fintech's primary challenge regarding profitability. · Diario La republica

Serfinanza acquired a 30% stake in Tpaga in March as part of a digital transformation strategy. · Diario La republica

Tpaga currently serves over 4.5 million unique users across various products including point-of-sale terminals and payment gateways. · Diario La republica

Banco W charges 29.16%, Serfinanza charges 28.91%, and Banco Falabella charges 28.73%, placing them among the entities with rates closest to the new usury limit. · El Colombiano

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