PNFC (Proveedor No Financiero de Crédito)
Argentina's regulatory category for non-bank lenders, the local counterpart to Mexico's SOFOM or Romania's IFN.
A PNFC is a BCRA-recognized non-bank lender that can extend credit and charge interest but cannot take customer deposits, distinguishing it from a full bank under Argentine financial regulation.
Most of Argentina's online fast-loan sector operates under the PNFC category rather than a banking license, subject to BCRA oversight and Argentine consumer-credit disclosure rules, including clear presentation of the CFT before a borrower signs.