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No sign-up, no commitment, and no impact on your credit history. All you need is the cost from your doctor’s or hospital’s quote.
This simulation is provided for reference and informational purposes only. It does not constitute an offer or approval of credit. Approval is subject to the applicant’s credit and document review, as well as the credit policies currently in effect at CiFi Capital México, S.A.P.I. de C.V.
CAT sentence — completed on calculate
This CAT is not the final CAT applicable to your credit. The final CAT is calculated when your official financing schedule is issued through the CiruFia platform, using the amount, down payment, term, and conditions actually approved following your credit assessment. It will be disclosed to you and included in your agreement before you sign any document.
CiruFia does not charge any amount before your credit application is approved.
CiruFia does not provide medical services. The selection of the physician, hospital, and procedure is made freely and exclusively by the patient.
▸ View the full credit terms and conditions
1. Nature of the Simulation
The amounts, terms, payments, and costs shown are estimates generated using the information you entered and may vary depending on the final amount approved, the down payment, the selected term, and the outcome of your credit assessment. This simulation does not create any obligation for CiFi Capital México, S.A.P.I. de C.V. or grant you any right or entitlement.
2. Who We Are—and Who We Are Not
CiFi Capital México, S.A.P.I. de C.V.—operating under the CiruFia brand—is a commercial corporation that extends credit using its own funds, pursuant to Article 87-B of the General Law of Credit Organizations and Auxiliary Activities.
It does not require authorization from the Ministry of Finance and Public Credit to enter into credit transactions and is not subject to supervision by the National Banking and Securities Commission.
CiruFia is not a bank, an insurance institution, or a regulated financial institution.
3. CiruFia Does Not Provide Medical Services
CiruFia is not a hospital, clinic, or healthcare provider. It does not diagnose medical conditions, prescribe procedures, select your physician or hospital, or guarantee clinical outcomes.
The selection of the physician, hospital, and procedure is made freely, knowingly, and exclusively by the patient.
Your payment obligation to CiruFia is independent of the clinical outcome of the procedure and of any dispute that may arise with your healthcare provider.
4. Costs Included in the CAT
The Total Annual Cost, or CAT, includes the ordinary interest rate, the Comprehensive Validation and File Formalization Fee, and any other charges that are a condition for granting the credit.
Interest is calculated on the outstanding principal balance. The CAT varies depending on the amount, term, down payment, and the applicant’s credit profile.
5. No Charges Before Approval
CiruFia does not request or receive any payment before your credit application has been formally approved.
Any charge, fee, advance payment, deposit, or “reservation payment” requested before your approval does not originate from CiruFia. Report it immediately to contacto@cirufia.mx.
6. Credit Information Company Inquiry
Accessing your credit history requires your express authorization, which will be requested from you in writing during the application process.
This simulation does not generate or trigger any inquiry with a credit information company or credit bureau.
7. Personal Data
Information relating to your health constitutes sensitive personal data and is processed in accordance with the Federal Law on the Protection of Personal Data Held by Private Parties, published in the Official Gazette of the Federation on March 20, 2025, and with our Privacy Notice available at cirufia.mx/privacidad.
8. Security
CiruFia will never request passwords, PINs, verification codes, or confidential information by email, WhatsApp, telephone call, or external links.
Payments are accepted only through the SPEI bank accounts expressly identified in your credit agreement.
What comes next?
Your official numbers arrive in your statement when you submit your application. Nothing you do here commits you.