Creditas
Creditas is a Brazilian digital financial services platform offering collateral-backed consumer loans (vehicle, home equity, payroll), insurance brokerage across 16 carriers, and corporate benefits administration, serving individual consumers and corporate employers across Brazil and Mexico since 2012.
- Company typePrivate
- Founded2012
- HeadquartersSão Paulo, Brazil
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What Creditas does
Creditas is a Brazilian digital financial services platform founded in 2012 and headquartered in São Paulo, specializing in collateral-backed consumer lending, insurance brokerage, and corporate benefits administration. The company serves individual consumers who own vehicles, real estate, or have payroll-deducted income (consignado) by offering secured loans at rates materially below Brazil's typical unsecured credit card rates of 10-15% per month, with vehicle loans starting at 1.49% per month and home equity loans at 1.09% per month plus IPCA inflation indexing. It also serves corporate employers through a B2B benefits platform offering interest-free salary advances, flexible benefit cards accepted at over 2 million establishments, and corporate financial education programs, with named enterprise customers including C&A, Cinepolis, Westwing, and Grupo Alma Viva do Brasil.
The platform operates as a Direct Credit Society (Sociedade de Crédito Direto) regulated by Brazil's Central Bank, distributing loans through a digital self-service website and mobile application supplemented by a network of 3,000+ correspondent banking agents. The technology stack includes end-to-end digital loan origination, remote property valuation capabilities, a multi-bank comparison engine aggregating offers from major Brazilian institutions (Itaú, Santander, Bradesco, Caixa, Banco do Brasil, Banrisul, Banco Inter), and a public API layer (developers.creditas.com.br) for partner integrations. The insurance vertical, branded Creditas Seguros and powered by the 2021-acquired Minuto Seguros, distributes auto, residential, life, travel, and accident coverage through partnerships with 16 insurance carriers including Porto Seguro, Allianz, Mapfre, Tokio Marine, Zurich, and Bradesco Seguros.
Creditas generates revenue through interest income on its R$7.1 billion loan portfolio, insurance distribution commissions, subscription fees from the corporate benefits platform, and loan origination fees. The company has cumulatively originated over R$12.1 billion in loans, claims R$6.2 billion in customer savings from lower rates versus traditional credit, and reported Q4-2025 quarterly revenue of R$582.7 million, up 17.3% year-over-year, while operating at a loss (R$80.9 million operating loss; R$143.3 million net loss) amid continued investment. As of late 2025, the company operates as part of the Banco Andbank (Brasil) S.A. prudential conglomerate following the Series G funding and Bank Andbank Brasil acquisition led by Andbank Group, holds a US$3.3 billion valuation, and has been reported as moving through final stages of public offering filings.
Creditas firmographics
Firmographics- Name
- Creditas
- Legal name
- Creditas Soluções Ltda.
- Website
- https://creditas.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Creditas is a Brazilian digital financial services platform offering collateral-backed consumer loans (vehicle, home equity, payroll), insurance brokerage across 16 carriers, and corporate benefits administration, serving individual consumers and corporate employers across Brazil and Mexico since 2012.
- Ownership category
- akta.pro rank
Creditas industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223), Sales Financing (522220)
- SIC
- Personal Credit Institutions (6141), Loan Brokers (6163)
- akta.pro primary industry
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
- akta.pro secondary industries
- Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ), Debt Consolidation & Credit Card Balance Transfer Intermediation (FSAEAEAN)
Keywords
Where Creditas is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices2 records
Markets served
Creditas business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Loan Interest Income: Interest earned on vehicle loans, home equity loans, and salary advances (consignado). Secured lending against vehicles, properties, or payroll deductions with rates significantly lower than traditional credit cards and personal loans.
- Insurance Distribution Commissions: Commission revenue from selling insurance products (vehicle, residential, life, dental) through partnerships with 16 insurance companies via Creditas Seguros platform.
- Corporate Benefits Subscription: Subscription fees from企业提供员工福利管理平台，包括工资预支、餐券、灵活福利管理等功能。
- Loan Origination Fees: Processing and origination fees charged when loans are disbursed through the platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Monthly | Vehicle Loan: 1.49% per month, R$5,000 to R$150,000, up to 60 months |
| Usage-based | Monthly | Home Equity Loan: 1.09% per month + IPCA, R$50,000 to R$3 million, up to 240 months |
| Usage-based | Monthly | Salary Advance (Consignado): 1.49% per month, R$300 to R$70,000, up to 60 months |
| Subscription | Monthly | Rental Guarantee: 7-9% of monthly rent |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
Creditas product offering
Product offeringCore offering
Creditas operates a digital lending and financial services platform that provides collateral-based consumer loans (vehicle-backed, home equity, and payroll-deducted consignado), insurance brokerage aggregating 16 partner carriers through Creditas Seguros and Minuto Seguros, and a corporate employee benefits platform offering salary advance, flexible benefits cards, and financial education. The platform delivers a 100% online origination experience enabling Brazilian consumers to access credit at interest rates substantially below traditional credit cards, while serving corporate clients through Creditas Benefícios.
Product overview
Creditas is a Brazilian digital financial services platform offering collateral-based lending, insurance brokerage, and corporate benefits solutions. The platform operates as a correspondent bank and Direct Credit Society regulated by Brazil's Central Bank. Its core products include secured loans using vehicles (up to R$150,000) or real estate (up to R$3 million) as collateral, private payroll loans for CLT workers, and multi-bank mortgage and vehicle financing comparison services. The insurance arm, Creditas Seguros powered by Minuto Seguros, aggregates auto, residential, life, travel, and accident coverage from 16 partner insurers. The corporate benefits unit provides flexible benefit cards, salary advances, and financial education programs. All products are accessible through a digital-first journey with API integration for partners, serving individual consumers and企业 clients across Brazil.
Differentiator
Problem solved
Functional benefit
Brands
- Minuto Seguros: Online insurance broker and digital insurance platform operated by Creditas, offering auto, residential, life, travel, and electronics insurance.
- Creditas Benefícios
- Creditas Sociedade de Crédito Direto
Products and services
- Empréstimo com Garantia de Veículo (Vehicle-Backed Loan) Collateral-based personal loan using the borrower's vehicle as security. Loan amounts from R$5,000 to R$150,000 with interest rates starting at 1.49% per month and repayment terms up to 60 months. Targeted at Brazilian consumers who want to access credit at substantially lower rates than credit cards while continuing to use their vehicle.
- Empréstimo com Garantia de Imóvel (Home Equity Loan) Home equity loan using the borrower's residential property as collateral. Credit from R$50,000 up to R$3 million with interest rates starting at 1.09% per month plus IPCA inflation index and repayment terms up to 240 months (20 years). Up to 60% of property value can be borrowed.
- Empréstimo Consignado Privado (Private Payroll Loan) Payroll-deducted loan for Brazilian CLT workers (including negative-listed borrowers at partner employers) with installments capped at 35% of salary. Loan amounts from R$300 to R$70,000 with interest rates starting at 1.49% per month and terms up to 60 months.
- Financiamento Imobiliário Multibanco (Multi-Bank Mortgage Financing) Mortgage financing comparison service that simulates offers from up to 8 financial institutions and supports financing up to 90% of property value with terms up to 35 years. End-to-end process support is provided.
- Financiamento de Veículos (Vehicle Financing) Vehicle financing comparison service offering quotes from up to 6 financial institutions including Creditas's own financing, Santander, Itaú, Porto Bank, and Bradesco, with documentation handled and quick approval.
- Creditas Seguros (Insurance Brokerage) Online insurance brokerage offering auto, residential, life, travel, and accident insurance through partnerships with 16 insurance companies, enabling Brazilian consumers to compare and purchase coverage through a single digital platform.
- Seguro Auto (Auto Insurance) Auto insurance product comparing offers from up to 16 partner insurers. Coverage includes theft, collision, fire, natural disasters, third-party damage, and glass damage, with 24-hour assistance, courtesy car, and payment in up to 10 interest-free installments.
- Garantia Locatícia (Rental Guarantee) Rental guarantee service enabling tenants to rent a property without a guarantor or traditional security deposit. Provides coverage up to 30 times monthly rent for payment delays, property damage, and late fees. Subscription fee equal to 7-9% of monthly rent.
- Creditas Benefícios (Corporate Benefits Platform) Corporate benefits platform offering flexible benefit cards, salary advances, financial education programs, and payroll loans for corporate clients, with zero cost for employers. Sold to enterprise HR teams and recognized as Best Benefits Management Software at the 2022 B2B Awards.
- Cartão de Benefícios Flexíveis (Flexible Benefits Card) Mastercard-accepted multi-benefit card offering up to 7-8 benefit categories (food, meals, mobility, education, wellness, home office, culture, rewards) with zero issuance and reload costs. Accepted in more than 2 million establishments.
- Antecipação de Salário (Salary Advance) Interest-free salary advance benefit allowing employees to access up to 40% of their already-earned salary before payday, with zero cost for the offering employer.
- Educação Financeira Corporativa (Corporate Financial Education) Corporate financial-wellness program including individualized learning journeys, exclusive content, webinars, consulting, and diagnostic reports to improve employees' relationship with money.
- Minuto Seguros Digital insurance brokerage brand acquired by Creditas in 2021, specializing in online insurance comparison and distribution across auto, residential, life, travel, and electronics coverages. Operates as a wholly-owned subsidiary (Minuto Corretora de Seguros S.A.) and powers parts of the Creditas Seguros distribution.
Quantifiable outcome
- Average customer savings of R$15,000 per loan compared to credit card debt
- +2 more outcomes
Companies that use Creditas
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles3 records
Creditas technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration19 records
AI capability5 records
Feature4 records
Creditas partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Insurance Partners (16 carriers)corePartnership with 16 insurance companies enabling Creditas Seguros platform to distribute vehicle, residential, life, and dental insurance products to customers.
- Minuto SeguroscoreAcquired insurtech company specializing in insurance comparison and distribution, strengthening Creditas insurance marketplace capabilities.
Scale indicators9 records
Recent moves7 records
Expansion highlights6 records
Creditas competitors and assessment
Company assessmentRegional players
- Kavak: Mexico-headquartered used-car platform that has expanded into auto financing. Comparable to Creditas's vehicle-backed lending vertical, but Kavak's financing is tied to its own vehicle inventory and primarily serves the Mexican/LATAM market.
- Konfío: Mexico-based digital lender offering credit lines and loans to SMBs and individuals. Comparable to Creditas as a LATAM fintech lender using digital underwriting, but Konfío's core focus is SMB working capital rather than consumer secured lending.
Broad incumbents
- SoFi: US digital personal lending, home loan, and refinancing platform with bank charter. Comparable to Creditas in offering consumer loans, home equity, and refinancing via a digital experience, but at larger US scale and with deposit funding.
- Banco Inter: Brazilian digital bank providing consumer credit, payroll loans, and an integrated super-app experience. Comparable to Creditas as a Brazilian digital lender, but Inter is a deposit-taking institution with a much wider retail banking offering.
- C6 Bank: Brazilian digital bank with consumer credit, payroll loans, and investment products. Comparable to Creditas in targeting Brazilian consumers with digital-first lending, but with broader banking services and proprietary funding.
- Mercado Pago: LATAM fintech offering consumer credit, merchant credit, and credit cards via Mercado Libre's ecosystem. Comparable to Creditas as a regional digital lender, but with a payments-led entry point and broader merchant ecosystem.
- Nubank: Brazil's largest neobank offering personal loans, credit cards, and payroll loans via its own deposit-funded balance sheet. Comparable as a digital consumer lender serving Brazilian consumers, but with significantly broader product scope and captive funding.
Direct peers
- LendingTree: US online loan marketplace aggregating offers from multiple lenders across mortgages, auto, and personal loans. Directly comparable to Creditas's multi-bank comparison engine for mortgages and vehicle financing.
- Banco PAN: Brazilian consumer-finance bank specializing in payroll-deducted (consignado), vehicle, and personal loans. Closely comparable to Creditas in product mix and Brazilian consumer-credit focus.
- Figure Technologies: US fintech specializing in home equity lines of credit (HELOC) and blockchain-based lending. Closely comparable to Creditas's home equity loan product in leveraging residential property as collateral for lower-cost consumer credit.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Creditas social profiles
Digital presenceCreditas compliance and trust
Trust signalCompliance4 records
Creditas financial estimates
Financial estimateRevenue estimate
Valuation estimate
Creditas leadership team
Management profileNumber of profiles
Profiles8 records
Creditas subsidiaries and ownership
Company hierarchySubsidiaries3 records
Creditas funding detail
Funding detailFunding overview
Funding rounds15 records
Investors28 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Creditas M&A and investment
M&A and investmentM&A8 records
Investments3 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Creditas
What does Creditas do?
Creditas operates a digital lending and financial services platform that provides collateral-based consumer loans (vehicle-backed, home equity, and payroll-deducted consignado), insurance brokerage aggregating 16 partner carriers through Creditas Seguros and Minuto Seguros, and a corporate employee benefits platform offering salary advance, flexible benefits cards, and financial education. The platform delivers a 100% online origination experience enabling Brazilian consumers to access credit at interest rates substantially below traditional credit cards, while serving corporate clients through Creditas Benefícios.
Is Creditas a public or private company?
Creditas is a private company. It is classified as venture growth investor backed and is currently operating.
When was Creditas founded?
Creditas was founded in 2012. It employs 1,001 to 5,000 people.
Where is Creditas based?
Creditas is headquartered in São Paulo, Brazil, in the Latin America region.
How does Creditas make money?
Four revenue lines are on record. Loan Interest Income is the primary driver. The others are insurance Distribution Commissions, corporate Benefits Subscription and loan Origination Fees.
Who are Creditas's main competitors?
Regional players on record are Kavak and Konfío. Broad incumbents are SoFi, Banco Inter, C6 Bank, Mercado Pago and Nubank. Direct peers are LendingTree, Banco PAN and Figure Technologies.
Does Creditas have an API?
Yes. Creditas offers an API for partners, allowing them to integrate and access Creditas lending, insurance, and benefit solutions. The partner portal is accessible at https://parceiros.creditas.com.br/auth/login/ with API documentation available at https://developers.creditas.com.br/docs. Developer documentation is at developers.creditas.com.br/docs.
What industry is Creditas in?
Creditas's product category is Consumer Lending. Its primary akta.pro industry code is FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines), with a secondary code of FSAKAKAJ, Credit Education, Monitoring & Consumer Credit Management Tools. Its NAICS code is 522 and its SIC code is 6141.