Is Cuota Simple still active in 2026?

No. The government program stopped in June 2025 and its rules were repealed in June 2026. Interest-free cuotas still exist, but banks, wallets and merchants now fund them.

What Cuota Simple was

Cuota Simple, the successor of Ahora 12, was a government program that let shoppers pay for selected goods in installments with credit cards, at regulated rates. It supported consumption of domestic products in categories such as appliances, clothing and tourism.

What replaced it

Installments did not disappear. Banks, card issuers, wallets and retailers run their own promotions, often interest-free for a set number of payments, and decide which products and periods they cover.

What it means for shoppers

Installment offers depend on the card, the bank and the merchant, and they change frequently. Shoppers compare offers across banks and wallets.

What it means for merchants

Merchants choose whether to fund interest-free installments, often negotiating with issuers or acquirers, and must display the terms clearly at checkout.

What it means for payment operators

For your merchants in Argentina, installments remain a key conversion lever. Local card acquiring that supports installment plans, configurable per merchant, keeps them competitive without a government program.