What Jeitto does

Jeitto is a Brazilian digital credit and consumption fintech founded circa 2014–2015 in São Paulo, operating as a 100% digital, self-serve mobile app targeting underbanked and unbanked Brazilian consumers. The company serves more than 10 million registered customers (over 15 million historically), with 35% receiving their first-ever credit through Jeitto, and has disbursed more than R$ 3 billion in credit over 10 years. Its core product is the Jeitto app, which delivers revolving credit (e-Grana), installment loans (Empréstimo Jeitto/Parcela, R$ 250–3,000, 3–24 month terms), and payroll-deductible loans (Jeitto Consignado) alongside digital-wallet functionality for bill payments, Pix/bank transfers, mobile recharge, and an in-app marketplace (Shópi Jeitto).

The technology stack is built on proprietary AI/ML credit-scoring algorithms that analyze smartphone digital footprints and alternative data signals to make 75% of credit decisions without depending on traditional credit bureau data, enabling 3x more approvals than competitors and decisions in under 2 minutes. The platform is reinforced with biometric facial-recognition KYC, real-time fraud detection, and machine-learning limit-recommendation engines that re-evaluate customers monthly. Jeitto also operates open APIs (E-commerce BNPL and POS Finance) for merchants and acquirers to embed Jeitto credit at checkout and point of sale. The company operates as a Banking Correspondent (correspondente bancário) for MOVA Sociedade de Empréstimo Entre Pessoas S.A. under Banco Central Resolução 4.935/21 and is fully LGPD-compliant.

Jeitto's business model is built on three revenue streams: (1) interest income (10.9%–18.8% monthly / CET 13.06%–19.18%) shared as a banking correspondent on personal loans, (2) per-transaction fees on revolving credit usage and Pix transfers, and (3) API/partner integration fees from B2B2C distribution. The company is private, headquartered in São Paulo, employs 251–500 people, and has raised approximately $4M in equity (Accion Ventures 2019, Rise Ventures 2022) plus $6.8M in debt (Credit Saison corporate bond, October 2025), with an acquisition of Pilla completed in February 2025 and stated plans for Latin American expansion ahead of a potential IPO.

Name

Jeitto

Legal name

Jeitto Soluções Digitais LTDA

Website

https://jeitto.com.br

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

251–500 employees

Short description

Jeitto is a Brazilian digital credit fintech offering a self-serve mobile app that delivers revolving credit, installment loans, payroll-deductible loans, and digital-wallet services to over 10 million underbanked Brazilian consumers, using proprietary AI to approve credit with only a CPF and phone number.

Ownership category

akta.pro rank

Product category

Consumer Digital Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Sales Financing (52222)

SIC

Personal Credit Institutions (6141), Finance Services (6199)

akta.pro primary industry

In-App / Online Checkout Wallets (FSAMAEAH)

akta.pro secondary industries

Payouts, Disbursements & Marketplace Split Payments (CRAFALAI), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH), A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB)

Keywords

• Digital consumer lending
• Personal credit app
• Payroll-deductible loans
• Alternative credit scoring
• Mobile fintech

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Supply Chain, Infrastructure

Revenue model

1. Loan Interest Income: Jeitto earns interest income on personal loans (Empréstimo Pessoal) and e-Grana credit products. Loans range from R$ 250 to R$ 3,000 with terms of 3-24 months and monthly interest rates of 10.9% to 18.8% (CET 13.06%-19.18% per month). As a correspondent bank, Jeitto facilitates credit on behalf of partner financial institutions and earns a share of the interest income.
2. Credit Limit Usage Fees: Jeitto charges a single transparent fee per transaction when customers use their credit limit for transfers, bill payments, and purchases. The fee varies based on transaction type and value. For some transactions like paying with e-Grana via Pix, customers can receive discounts or special conditions.
3. API/Partner Integration Fees: Jeitto provides open APIs for e-commerce and POS finance partners to integrate Jeitto credit as a payment method. Partners gain access to Jeitto's customer base and conversion benefits, while Jeitto earns revenue from credit extended through these partner channels.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Jeitto offers a 100% digital, self-serve mobile app that delivers revolving personal credit (e-Grana), installment personal loans (Jeitto Parcela, R$250–R$3,000, 3–24 months), and payroll-deductible loans (Jeitto Consignado) to Brazilian consumers, with credit decisions made in under 2 minutes using only a CPF and phone number. The platform also functions as a digital wallet supporting Pix/bank transfers, bill payments, mobile recharge, and an in-app marketplace (Shópi Jeitto), with open APIs enabling e-commerce and POS partners to embed Jeitto credit as a payment method.

Product overview

Jeitto is a Brazilian fintech offering a unified digital credit and consumption platform accessible via mobile app. The core product is the Jeitto app, which provides a revolving credit line (e-Grana), installment loans (Empréstimo Jeitto/Parcela), payroll-deductible loans (Jeitto Consignado), a digital wallet, and an in-app marketplace (Shópi Jeitto). The platform is built on proprietary AI/ML technology that analyzes alternative data and smartphone digital footprint to approve credit with only CPF and phone number. Jeitto also offers open APIs (API de E-commerce and API de POS Finance) enabling merchants and acquirers to integrate Jeitto credit as a payment method at checkout and point of sale. Secondary features include fund transfers (Pix/TEF), mobile recharge, and a referral program (Indique e Ganhe).

Differentiator

Problem solved

Functional benefit

Brands

• e-Grana: Monthly credit limit available for personal use, including paying bills, transfers, and purchases.
• Jeitto Parcela
• Jeitto Consignado
• Shópi Jeitto

Products and services

• Jeitto App A digital credit and consumption mobile app for individual Brazilian consumers that provides personal credit lines, bill payment, Pix/bank transfers, mobile recharge, and digital wallet functionality entirely through the app. Customers register with only a CPF and phone number, receive an instant credit decision, and pay only when they use the credit.
• e-Grana Monthly revolving personal credit line accessible through the Jeitto app. Customers receive extra funds on the first of each month for use on bill payments, Pix transfers, service contracting, and online purchases, with payment due later and usage-based fees per transaction.
• Empréstimo Jeitto (Jeitto Parcela) Personal installment loan available to existing Jeitto customers with demonstrated app usage and timely payments. Loans range from R$250 to R$3,000 over 3–24 months, with monthly interest rates of 10.9%–18.8% (CET 13.06%–19.18% per month) and up to 16 installments.
• Jeitto Consignado (Crédito Consignado CLT) Payroll-deductible personal credit product for formal employees (CLT workers) and INSS beneficiaries (retirees/pensioners). Monthly installments are automatically deducted directly from the borrower's salary or benefit, offering lower interest rates than conventional loans, with eligibility assessed using only CPF and phone.
• Shópi Jeitto In-app e-commerce marketplace where Jeitto customers can use their credit limit to make purchases directly within the Jeitto app, often with discounts and special conditions when paying via Pix.
• Transferência / Pix Fund transfer feature allowing Jeitto credit to be sent via Pix or traditional bank transfer (TEF) to any Brazilian bank account, with a transparent single fee per transfer transaction and the option to use account balance at no cost.
• API de E-commerce Open API that enables e-commerce merchants to embed Jeitto credit as a buy-now-pay-later payment method at checkout, allowing customers to finance purchases using their Jeitto credit without needing a traditional credit card.
• API de POS Finance Open API for payment acquirers (adquirentes) to release Jeitto credit at the point of sale, enabling micro-entrepreneurs and consumers to access credit instantly during physical retail transactions to avoid lost sales due to lack of payment options.

Quantifiable outcome

• 3x more credit approvals compared to other players in the market
• +5 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature4 records

Partnerships

Two partnerships are on record, tiered supporting.

• Serasa / Boa Vista (credit bureaus)supportingTechnology or IntegrationJeitto consults credit bureau data from Serasa and Boa Vista as part of its credit assessment process. These integrations provide historical credit data to supplement Jeitto's proprietary AI-driven alternative data scoring, helping evaluate customer risk profiles and credit capacity.
• Banking as a Service (BaaS) partner institutionssupportingTechnology or IntegrationJeitto shares data with Banking as a Service partner institutions for fund custody and payment settlement. These BaaS partners provide the underlying infrastructure for Jeitto's digital wallet, PIX transfers, and electronic money issuance, enabling Jeitto to offer financial services without holding a full banking license.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• RecargaPay: Brazilian fintech offering mobile recharge, bill payments, Pix transfers, and consumer credit through a digital wallet app. Comparable to Jeitto's mobile recharge, bill payment, and credit functionality.
• Nubank: Brazil's largest neobank with 100M+ customers offering digital consumer credit, credit cards, and personal loans through a mobile app. Directly competes with Jeitto in the Brazilian digital consumer credit space, though serving a broader customer base including prime borrowers.
• Inter & Co. Brazilian digital bank and super-app offering consumer credit, payroll loans, credit cards, and digital wallet services. Competes with Jeitto across consumer credit and digital wallet categories with a much larger customer base.
• PicPay: Brazilian fintech offering digital wallet, Pix transfers, consumer credit, and payment services via mobile app. Comparable to Jeitto in combining digital wallet functionality with consumer credit offerings for Brazilian consumers.
• C6 Bank: Brazilian digital bank offering consumer credit, credit cards, and digital account services through a mobile app. Competes directly with Jeitto in digital consumer credit and personal loans.
• Creditas: Brazilian consumer lending platform offering secured loans (home equity, auto), payroll-deductible loans, and personal credit. Directly competes with Jeitto's payroll-deductible and personal credit products in Brazil.

Emerging players

• Kueski: Mexican fintech using alternative data and AI for consumer credit underwriting to underbanked Mexicans. Closest international analog to Jeitto's alternative-data credit model, though operating in a different geography.
• Stori: Mexican fintech offering credit cards specifically designed for underbanked consumers without traditional credit history. Very similar to Jeitto in targeting first-time credit borrowers with alternative underwriting.
• Addi: Colombian BNPL and consumer credit fintech operating across Latin America. Comparable to Jeitto's e-commerce API credit offering and expansion ambitions into broader LatAm markets.

Broad incumbents

• Banco BMG: Established Brazilian commercial bank specializing in payroll-deductible loans (crédito consignado) and consumer credit. Directly competes with Jeitto Consignado and represents the traditional incumbent that Jeitto's digital model is disrupting.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCv6kviK_Sy4dr2W3-st0Ekg
• Facebookfacebook.com/JeittoApp
• Instagraminstagram.com/jeitto_app
• TikToktiktok.com/@jeitto_app
• Xx.com/jeitto_app

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds4 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Jeitto