Access to credit is crucial for economic growth, as it allows families to invest in assets, education, and deal with emergencies. However, financial inclusion remains low in Latin America, with only 30% accessing formal financial products. In Peru, 52% of the population still resorts to informal financing. This study analyzed the relationship between access to credit and the delinquency rate in Peru during the period 2020-2023, with a quantitative approach and a non-experimental design that correlates with the study population to the economic data related to the study variables. The results indicated that there is no statistically significant relationship at the national level, suggesting that delinquency does not depend exclusively on access to credit, but on structural and economic factors. At the regional level, on the Coast, no clear pattern was identified between both variables; Lim...