Creditas operates a fully digital platform that offers collateral‑backed personal loans—using vehicles or real estate—and payroll‑deductible credit for salaried workers, delivering rates as low as 1.09 % per month and terms up to 240 months. The platform also aggregates insurance policies from multiple carriers, provides real‑time multibank mortgage simulations, and supplies a zero‑cost employee‑benefits suite that can be integrated via open APIs for corporate partners.
Funding
$60M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Many consumers and salaried workers lack access to affordable credit options that leverage existing assets such as vehicles or real estate, and they often face high‑interest, unsecured loans or complex, time‑consuming financing processes. Additionally, small and mid‑size companies struggle to provide competitive employee‑benefit packages without incurring high administrative costs.
Solution
Creditas operates a fully digital platform that connects borrowers with secured lending products and ancillary financial services. By using a vehicle or property as collateral, the platform offers personal loans with interest rates as low as 1.09 % per month and extended repayment terms up to 240 months. For CLT employees, Creditas provides payroll‑deductible (consigned) loans that are repaid directly from salary, reducing default risk and enabling lower rates. The same platform also aggregates digital insurance policies from up to 16 carriers and runs multibank mortgage simulations that compare offers from eight institutions in real time. All interactions—application, document upload, credit analysis, and disbursement—are completed online through a mobile app, delivering a fast, transparent, and regulatory‑compliant experience for both end‑users and corporate partners.
Target Audience
Individuals who own a vehicle or property and need low‑cost, long‑term financing, as well as salaried employees seeking payroll‑deductible credit; and enterprises that want to enrich their employee‑benefit packages or embed Creditas’ credit products into their own digital channels.
Features
- Secured personal loans with vehicle guarantee (up to R$ 150 k, interest ≥ 1.49 % / mo, up to 60 months) and home‑equity loans (up to R$ 3 M, interest ≥ 1.09 % / mo, up to 240 months).
- Private payroll‑deductible (consigned) loans for CLT workers (R$ 500
- R$ 70 k, interest ≈ 0.99 % / mo, repayment up to 48 months) with automatic salary discounting.
- Digital insurance marketplace offering customizable auto, residential, life, travel, and electronic device policies from 16 insurers, with online quotation, purchase, and 24 h assistance.
- Multibank mortgage simulation engine that queries up to eight banks, supports financing of up to 90 % of the property value, and provides loan terms up to 35 years.
- Employee‑benefits suite (salary advance, flexible benefit card covering 7 categories, financial‑education modules) managed through a dedicated corporate portal at zero cost to the employer.
- End‑to‑end digital onboarding: mobile app for document capture, electronic signature, real‑time credit scoring, and fund disbursement within 4 business days.
- Open API and partner portal enabling B2B integration of auto‑equity and home‑equity flows, with webhook notifications and compliance with Brazilian Central Bank regulations.
- Secure data handling with encrypted storage, role‑based access controls, and adherence to financial‑services regulatory standards.