Embedded credit for drivers and couriers is now live across Mexico, Colombia, and Peru, bringing access to capital directly into the app they use to earn every day.
We're expanding our partnership with Uber across Latin America. The Uber Earners financing program, which offers pre-approved credit to drivers and couriers directly through the Uber app, is now live in Mexico, Colombia, and Peru, extending embedded, platform-native financing to hundreds of thousands of people who earn through the platform.
Since launch, we've executed more than 66,000 transactions and disbursed over US $10.9 million in capital across the three markets. It reinforces what we've believed from the beginning: when financial products are built around transactional data and their behavior inside a platform, access to credit becomes more inclusive.
This partnership isn't new. It began in January 2025 with financing for restaurants on Uber Eats, giving merchants on the platform faster access to working capital. Expanding it to drivers and couriers is the natural next step, extending embedded financial services across the Uber ecosystem, from the businesses that prepare orders to the people who deliver them.
What makes this partnership work is a different way of thinking about risk. Most lending decisions still rely on documents that many independent workers don't have, a formal payslip or a long credit history, while overlooking the thing they generate every day: a real-time, verifiable record of how much they earn and how consistently they earn it. Uber has that earnings data in real time. We turn it into credit signals. that enable us to underwrite risk more accurately than any static financial statement or bureau score ever could.
We designed the program to remove every step that typically stands between an independent worker and access to capital. Offers are pre-approved based on in-app activity: no branch visits, no paperwork, no tedious applications. Funds are disbursed directly into the driver’s bank account, and repayments happen automatically as a percentage of what they earn, adjusting with their cash flow rather than working against it. Across the region, the average loan is around US $200, with repayment terms of roughly four to five months. The entire experience is built into the platform, making access to credit as seamless as the rest of the driver experience.
Each market tells its own version of the same story:
"The evolution of our partnership with Uber demonstrates the enormous potential of embedded finance to transform access to capital across Latin America. At R2, we're proud to keep building solutions that connect capital with the people who keep the economy moving every day through world-class partners like Uber," said Roger Larach, Co-founder and CEO of R2.
For Uber, the value is equally tangible. When earners have access to timely capital, they can manage unexpected expenses and invest in the vehicles and tools they rely on to earn. For the platform, embedded financial services create additional value by addressing the financial needs of the people who rely on it every day. That is the promise of embedded finance in a single line: credit stops being something users have to seek elsewhere and becomes fuel that makes the platform itself more valuable.
We believe Latin America's next wave of financial inclusion will come from putting loans where economic activity already happens: inside the apps, marketplaces, and platforms that millions of people use to earn.
That's what we build: the credit infrastructure that enables platforms to offer financing to their users, powered by transactional data and delivered through APIs, without platforms taking on lending risk. The Uber Earners program brings that vision to life, showing what is possible when credit is embedded into the platforms where people already work. Scaling this model across the region represents a meaningful step toward closing the gap between the people who drive Latin America's economy and the capital they need to grow.
