The structural evolution of Andean-type orogens is strongly influenced by the geometry of the subducting slab. This study focuses on the flat-slab subduction of the Nazca Ridge and its effects on the South American Plate. The process of flat slab subduction impacts the stress distribution within the overriding plate and increases plate coupling and seismic energy release. Using the finite element method (FEM), we analyse interseismic and coseismic deformation along a 1000 km transect parallel to the ridge. We examine stress distribution, uplift patterns, and the impact of megathrust activity on deformation. To better define the crust’s properties for the model, we developed a new thermal model of the Nazca Ridge subduction zone, reconstructing the thermal structure of the overriding plate. The results show concentrated stress at the upper part of the locked plate interface, extending into the Coastal and Western Cordilleras, with deeper stress zones correlating with seismicity. Uplift patterns align with long-term rates of 0.7–1 mm/yr. Cooling from flat-slab subduction strengthens the overriding plate, allowing far-field stress transmission and deformation. These findings provide insights into the tectonic processes driving stress accumulation, seismicity, and uplift along the Peruvian margin.