The Mexican financial system has exhibited a gradual recovery driven by macroeconomic stability, digital transformation, and broader access to financial products. This study investigates the sociodemographic, economic, and technological determinants of consumer credit demand in Mexico. Multivariate analysis and the application of a Probit model revealed that possessing a fixed income, residing in urban areas, owning a smartphone, and achieving higher education level, significantly increase the likelihood of accessing consumer credit. Additionally, the research identified a persistent gender gap and clear generational segmentation in credit usage. Methodologically, the study faced challenges due to the non-normal distribution of some variables, requiring careful selection of appropriate statistical techniques. The results highlight that access to credit in Mexico is shaped not only by financial eligibility but also by broader structural inequalities, highlighting the need for more inclusive and equity-oriented public policies.