In this documentation, we will present our credit solutions for Individuals, resulting from a combination of financial market and technology. We develop solutions according to the needs and business model of our partners.

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Direct Credit to Consumer (CDC)

This is a line of credit directed at individuals, aimed at enabling consumers to make their purchases and pay in installments.

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Personal Loan

This is a line of credit granted to individuals, where no justification for use is required. In this credit modality, it is possible to minimize the risk of default through guarantees. Among the options, it is possible to offer:
  • Personal Loan or Credit
  • Personal Loan with Investment Guarantee
  • Personal Loan with Card Receivables Guarantee
  • Personal Loan with Service Contracts Guarantee
  • Personal Loan with Company Shares Guarantee
  • Personal Loan with Vehicle Guarantee
  • Personal Loan with Property Guarantee

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Financing

This is a line of credit in the Direct Credit to Consumer category, aimed at the acquisition of products (vehicles, properties, machinery, equipment, yellow line, solar panels), where the acquired item serves as the guarantee for the operation, linked to fiduciary alienation. Among the options, it is possible to offer:
  • Vehicle Financing
  • Property Financing
  • Financing for machinery and equipment
  • Financing for Heavy Machinery and Equipment
  • Solar Panel/Energy Financing
  • Student Financing

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Refinancing

This is a CDC modality aimed at refinancing vehicles or properties, which can be:
  • Car equity: refinancing of the borrower’s owned vehicle, where the guarantee for the operation is the vehicle itself, including fiduciary alienation and contract registration with DETRAN (State Department of Transit).
  • Home Equity: a credit category in which a property is put up as collateral for payment, meaning the property is alienated to the bank until the loan is fully paid off.

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Payroll-Deducted Credit

  • Private: loans aimed at employees of private companies, where the installment amounts are directly deducted from the payroll or paycheck, limited to 30% of the net salary. A deduction of 30% may also apply upon contract termination.
  • Public:
    • Public servants: a loan modality for public servants, where the installment amounts are directly deducted from the payroll or paycheck, limited to 30% of the net salary plus 5% of benefit card (important to check local legislation).
    • Retirees and pensioners: a loan where the installment amounts are directly deducted from the beneficiary’s payroll, limited to 30% of the net salary plus 5% of benefit card.

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Salary Anticipation

A solution aimed at employees of private companies who wish to anticipate their salary payment by up to 40% of the gross salary, with the installment deducted from the payroll.

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FGTS Anticipation

A loan solution that allows workers to anticipate installments of the Anniversary Withdrawal. In this case, the amount is deducted from the worker’s FGTS account balance on the due date for the annual installment. The maximum number of installments to anticipate is 10 withdrawals. The maximum interest rate charged is 1.79% per month.

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Other Operations

Customizable solutions developed together with the partner according to their needs and business modality.