Financial inclusion is important as it has an impact on poverty reduction, inequality reduction and economic growth. The objective of this research is to find the determinants of access and use of financial inclusion in Peru, Colombia, Ecuador and Bolivia. It is the main hypothesis that the models have explain the access and use of financial inclusion in the urban area in the countries of the Andean Community in the period 2005-2018; The dependent variables are access to Deposits / GDP, Credits / GDP and the number of ATMs in use. Regarding the non-experimental design, the research is as far as its scope is explanatory and econometric. For the use models, it is true that the variables of legality index, credit information index, GDP per capita, private credit registries, education spending and population density have a positive relationship to increase financial inclusion, with the credi...