Aro: Empréstimo e crédito

Need a loan? Aro understands your financial situation and helps you find the best personal loan, CLT loan, or online loan option.

Compare offers from different banks and financial institutions in one place and find more affordable rates for your profile. Simulate your loan and receive money via Pix on the day of approval.

More than 300,000 people have already sought personal loans and financial solutions with Aro.

Aro is your ally in finding personal credit, digital loans, and conditions that make sense for your reality.

💜 How it works

→ Quick and 100% digital registration

→ Loan simulation directly through the app

→ Securely connect your bank using Open Finance

→ Aro analyzes your financial profile and score

→ Compare personal loan, CLT loan, and payroll loan options

→ Discover offers available to you

If your request is not approved now, Aro shows you how to increase your chances of getting a loan in the future.

💳 Available Options

→ Personal Loan — quick money for emergencies, bills, or unexpected events

→ CLT Loan — credit for employees with formal employment contracts

→ Salary Advance — access your money before payday

→ FGTS Advance — anticipate your birthday withdrawal and receive the amount in your account

→ Payroll Loan — easier installments and more financial predictability

→ Secured Loan — use your vehicle, property, or cell phone to get better terms

→ Debt Renegotiation — reorganize your finances and regain your purchasing power.

✅ Why choose Aro? → Personal loans from R$100 to R$5,000 → Intelligent analysis with Open Finance → Fast and online simulation → Options for those with negative credit history → Money in your account via Pix after approval → Hassle-free loan → No upfront fees → Installments adjusted to your budget → Comparison between different banks and financial institutions → Personalized guidance to increase your chances of approval

With Open Finance technology, Aro better understands your financial profile and suggests personal loan, online loan, and CLT credit options suitable for you.

💬 What our clients say: Taynan, 30 years old — Barista “Wendy always supports us. It's more than a loan, it's having someone who cares.”

Ana Lucia, 55 years old — Cake designer “I felt human. Wendy asked about my story, not just the money. That changed everything for me.”

🔒 Security → Data protected with end-to-end encryption → Open Finance regulated by the Central Bank of Brazil → Clear and revocable consent → Security throughout your application

⚠️ Security Alert: Aro never charges upfront fees to release personal loans, online loans, or any other financial service. If you receive undue charges in Aro's name, do not make any payments and contact us through official channels.

📋 CLT Credit: Rates from 3.99% to 14.99% per month (60.09% to 435.03% per year). Terms from 6 to 36 months. Amounts and terms vary according to profile analysis and employer company. Subject to analysis. Example: CLT credit of R$ 2,000 in 12 months — installments of R$ 212.58. Effective Annual Rate (CET): 4.30% per month (65.4% per year). Total to pay: R$ 2,551.00.

📋 Personal Loan. Rates from 9.99% to 18.90% per month (213.84% to 690.26% per year). Terms from 2 to 12 months. Amounts and terms vary according to profile analysis. Example: personal loan of R$ 700 in 9 months — 9 installments of R$ 136.39. Effective Annual Rate (CET): 12.9% per month (339.4% per year). Total to pay: R$ 1,227.47. With a 30-day grace period.

Aro is a technology company that facilitates access to personal loans and financial solutions through partnerships with financial institutions regulated by the Central Bank. Aro is not a financial institution.

Aro Serviços Financeiros LTDA — CNPJ 59.743.959/0001-60

NEW FEATURES IN THIS VERSION • More approvals for personal loans • New CLT loan options • More financial partners

Update now and find your next financial solution with Aro 💜