# Nelo

**Canonical:** https://apis.io/providers/nelo/  
**Website:** https://www.nelo.mx  
**APIs profiled:** 0

Nelo is a Mexican fintech offering consumer credit that lets shoppers buy now and pay later in bi-weekly installments (quincenas). Its mobile app (iOS and Android) provides instant credit approval, an in-app marketplace (Tienda Nelo), bill payment for utilities such as CFE, water, gas and internet, phone recharges, cash withdrawals, and a premium Nelo VIP tier with a physical credit card. Backed by Homebrew, Nelo operates primarily as a consumer mobile product and, as of this enrichment pass, publishes no public developer API, developer portal, or API documentation. Sector: fintech / buy-now-pay-later (BNPL).

## Kin Score — 8.6 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 8.6).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 4.8 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Payments**: 21.9 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Nelo Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, BNPL, Consumer Credit, Payments, Mexico, Mobile App

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/nelo/). Scores are computed from the provider's own public artifacts under a published rubric.