Creditas - Empréstimo online

An app that guarantees your next step? Creditas.

Quality, affordable loans with a digital experience for those who refuse to settle for abusive interest rates. Here, your car, home, or salary open the door to low interest rates. With us, you're guaranteed opportunities to change your life for the better. After all, we value what's valuable to you.

Download the app and discover credit options for different stages of your life.

If you have a formal employment contract, including MEIs, rural workers, domestic workers, and CLT workers, you can take out a loan with us! And if your company is a partner, you can even check your card balance in the app, advance your salary, and take advantage of exclusive discounts.

Not a customer yet? That's okay, you can simulate your loan using your property or car as collateral to get the best rates. And your car or property remains yours.

Learn about our terms and conditions:

Loan secured by a vehicle:

Interest rates from 1.49% to 5.28% per month;

Loan from R$5,000 to R$150,000;

Up to 60 months to repay;

Annual rate from 19.42% to 85.42%.

Loan secured by a property:

Interest rates from 1.09% to 2.19% + IPCA per month;

Loan from R$50,000 to R$3,000,000;

Up to 240 months to repay.

Annual rate from 13.08% to 26.2% + IPCA.

Private payroll loan. Intended for private sector workers with formal employment contracts and registered with eSocial. Includes employees of individual microentrepreneurs (MEI), rural workers, domestic workers, and other professionals hired under the CLT (Consolidation of Labor Laws).

Interest starting at 1.49% per month

The minimum repayment term is 3 months and the maximum is 60 months.

Loans from R$1,000 to R$70,000

Annual rate starting at 19.42%

Vehicle financing:

For vehicle financing, the interest rate can range from 1.49% to 5.55% per month.

The interest rate is calculated based on your financial history and collateral.

Get a hands-on look at our terms:

Loan with property as collateral of R$100,000 to be repaid in 20 years (240 months): the initial payment will be R$1,397.67, with an interest rate of 1.09% per month + IPCA (Price Amortization System). The total effective cost, i.e., the total rate of the transaction, will be 17.55% per year.

For a private payroll loan of R$15,000 with a 48-month term, the installments will be R$625.05, with a rate of 2.99%, a 3.16% APR, and an annual APR of 45.19%.

Total Effective Cost (APR): minimum of 21.11% and maximum of 122.70% per year.