EasyCrédito
EasyCrédito is a Brazilian fintech operating a free digital credit-comparison platform that aggregates loans, credit cards, and refinancing from 36+ financial institutions for consumers, including negative-credit borrowers, and monetizes via correspondent-banking commissions and B2B White Label/API integrations with platforms such as OLX Brasil and Méliuz.
- Company typePrivate
- Founded2015
- HeadquartersGoiânia, Brazil
- Headcount51–100
- GTM typeB2B and B2C
- OfferingDigital Commerce or Content
What EasyCrédito does
EasyCrédito is a Brazilian fintech founded in 2015 and headquartered in Goiânia, Goiás, operating a digital credit-comparison platform that aggregates loan, credit card, and refinancing offers from more than 36 financial institutions and 56 credit products in a single consumer interface. The company functions as a correspondent bank under Brazilian Central Bank Resolution 3.954/2011, giving it regulated standing to intermediate credit between borrowers and lenders including BMG, Creditas, Banco BV, Noverde, SuperSim, Simplic, Juvo, Loft, Dryve, Crediblue, and others. Its core technology stack combines a real-time credit-matching engine that cross-references borrower profiles against active lender offers with digital document processing and electronic signature workflows that enable disbursement within 24 hours of approval. Products span personal loans (R$250 to R$50,000, terms up to 48 months), consigned credit, vehicle- and home-equity-backed loans, FGTS advances, working capital, vehicle financing, and credit cards from Visa, Mastercard, and Elo, with the platform explicitly serving negative-credit-history borrowers and other underbanked segments.
The business model is two-sided. Consumers access the platform free of charge with no registration, simulation, or advance-payment fees, while revenue is generated from commissions earned as a correspondent bank on originated credit and from B2B partnership commissions on White Label and API integrations. Since 2020, EasyCrédito has productized its matching engine through a White Label solution and a credit API (documented at developers.easycredito.com.br), embedding credit offerings into third-party platforms such as OLX Brasil, Méliuz, and Kaledo, which earn referral commissions on closed contracts while EasyCrédito retains operational responsibility for credit analysis and disbursement. Distribution combines direct-to-consumer SEO and content marketing (Momento Finanças blog, social channels), referral programs, and the B2B embedded channel; LGPD compliance and a designated DPO underpin data handling. The company has 51–100 employees, five million-plus consumer users, nine million-plus analyzed proposals, and over R$330 million in approved credit volume cumulatively, with explicit 6x growth in 2020 following API externalization.
EasyCrédito firmographics
Firmographics- Name
- EasyCrédito
- Legal name
- Easyc Promotora de Serviços Financeiros e Corretagem de Seguros Online Ltda.
- Website
- https://easycredito.com.br
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- EasyCrédito is a Brazilian fintech operating a free digital credit-comparison platform that aggregates loans, credit cards, and refinancing from 36+ financial institutions for consumers, including negative-credit borrowers, and monetizes via correspondent-banking commissions and B2B White Label/API integrations with platforms such as OLX Brasil and Méliuz.
- Ownership category
- akta.pro rank
EasyCrédito industry classification
Industry- Product category
- Credit Comparison Platform
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)
Keywords
Where EasyCrédito is headquartered
LocationHeadquarters
- HQ city
- Goiânia
- HQ country
- Brazil
- HQ region
- Latin America
Offices2 records
Markets served
EasyCrédito business model
Business model- GTM type
- B2B and B2C
- Offering type
- Digital Commerce or Content
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- B2B Partnership Commissions: EasyCrédito earns commission fees from partner businesses (OLX Brasil, Méliuz, Kaledo) for each credit contract completed through their White Label or API integrations. Partners receive exclusive commissions while EasyCrédito handles the operational aspects of credit processing.
- Correspondent Banking Fees: As a correspondent bank for financial institutions, EasyCrédito earns fees from lenders (36+ institutions) for facilitating credit transactions and bringing approved borrowers to their platforms.
- Interest Rate Spread (Indirect): The company connects borrowers with lenders offering various interest rates (from 1.49% to 17.9% monthly). While EasyCrédito doesn't directly set rates, they facilitate transactions that generate interest income for partner financial institutions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free consumer access to credit comparison platform |
| Transaction based/ take rate | Pay-as-you-go | Vehicle-backed loan: R$250 to R$50,000, up to 48 installments, rates from 1.49% monthly |
| Transaction based/ take rate | Pay-as-you-go | B2B White Label / API Partnership - Commission-based model |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels11 records
EasyCrédito product offering
Product offeringCore offering
EasyCrédito operates as a digital credit comparison and aggregator platform that connects Brazilian consumers with personal loans, credit cards, vehicle- and home-backed loans, consignado credit, FGTS advances, and working capital from 36+ partner financial institutions through a single registration. The platform also offers B2B White Label and API solutions allowing partners to embed credit offerings into their own platforms, with EasyCrédito functioning as a correspondent bank under Brazilian Central Bank regulations.
Product overview
EasyCrédito is a Brazilian fintech that operates as a credit comparison and search platform connecting users to over 40 credit products from more than 36 financial institutions. The platform functions as a Hub de soluções de crédito (credit solutions hub) and functions as a correspondent bank under Brazilian Central Bank regulations. The core offering includes personal loans, credit cards, consigned loans, vehicle and property-backed loans, and FGTS advance services, all accessible through a single registration that cross-references user profiles with active credit offers. The B2B portfolio includes White Label solutions and an API for partners to integrate credit offerings into their platforms.
Differentiator
Problem solved
Functional benefit
Products and services
- Empréstimo Pessoal (Personal Loan) Personal loan comparison and simulation service aggregating offers from multiple lenders, with loans from R$250 to R$50,000, terms up to 48 installments, rates starting at 1.49% per month, and acceptance of applicants with negative credit history. Targeted at Brazilian consumers seeking personal credit.
- Cartão de Crédito (Credit Card) Credit card comparison and recommendation service that matches users with credit cards from major networks (Visa, Mastercard, Elo) based on credit score and financial profile. Targeted at Brazilian consumers seeking credit card options.
- Empréstimo Consignado (Payroll-Deducted Loan) Consigned credit offering for retirees, INSS beneficiaries, private sector workers, public servants, and pensioners, with lower interest rates and longer terms via direct payroll deduction. Targeted at public-sector employees, retirees, and INSS beneficiaries.
- Empréstimo com Garantia de Veículo (Vehicle-Backed Loan) Vehicle-refinancing loan using the user's car as collateral, offering R$250 to R$50,000 with terms up to 48 months and rates starting at 1.49% per month. Targeted at Brazilian consumers who own a vehicle and seek lower-rate credit.
- Empréstimo com Garantia de Imóvel (Home Equity Loan) Home equity loan using residential or commercial property as collateral, providing lower interest rates and longer payment terms for larger loan amounts. Targeted at Brazilian property owners seeking lower-rate, long-term credit.
- Antecipação Saque FGTS (FGTS Advance) Salary advance service using the worker's FGTS (Severance Fund) balance as guarantee, allowing advance of up to 10 annual installments with annual debit from the FGTS account. Targeted at Brazilian workers with FGTS balances seeking early access to funds.
- Capital de Giro (Working Capital) Working capital credit solutions for businesses seeking short-term financing. Targeted at small businesses and entrepreneurs needing short-term liquidity.
- Financiamento de Veículo (Vehicle Financing) Vehicle financing service for new or used cars through a simplified process, financing up to R$300,000 with terms up to 60 installments. Targeted at Brazilian consumers seeking to finance a vehicle purchase.
- White Label Credit Solution Customizable White Label credit solution allowing B2B partners to deliver credit offers to their customers on a page branded with the partner's visual identity, while EasyCrédito handles technology, credit analysis, and operations. Targeted at digital platforms, marketplaces, and fintechs seeking to add credit without regulatory burden.
- Credit API Integration API-based credit integration that lets partners embed EasyCrédito credit offerings directly into their own systems, featuring real-time proposal updates and fully customizable user journeys, with EasyCrédito handling all credit operations. Targeted at digital platforms, fintechs, and marketplaces seeking API-native credit infrastructure.
Quantifiable outcome
- Over 5 million customers trust the platform for credit solutions
- +5 more outcomes
Companies that use EasyCrédito
Customer profileNamed customers6 records
Segments6 records
Ideal customer profiles3 records
EasyCrédito technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability1 record
Feature4 records
EasyCrédito partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- OLX BrasilcoreMajor B2B partnership with Brazil's largest online classifieds platform. OLX embeds EasyCrédito's credit offerings to help users finance purchases made on the marketplace. The partnership increased OLX's transaction volume and provided EasyCrédito with access to a large pool of consumers with purchase intent.
- MéliuzcorePartnership with Brazil's leading cashback platform. Méliuz directs its users to EasyCrédito for credit solutions via parameterized links, earning commissions while providing value to customers seeking financial products.
- KaledominorEdTech partnership providing credit solutions for education expenses. EasyCrédito's technology enables Kaledo to offer financing options to students, with collaborative product development and growth initiatives.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
EasyCrédito competitors and assessment
Company assessmentDirect peers
- Creditas: Brazil's largest secured lending platform offering home equity, vehicle-backed, and payroll-deductible loans. Directly comparable to EasyCrédito on product set (vehicle/home refinancing, consigned) and on serving the underbanked segment, though Creditas lends on its own balance sheet while EasyCrédito intermediates.
- LendingTree: US-based credit marketplace that aggregates offers from multiple lenders. The closest pure conceptual peer to EasyCrédito on business model — borrower-lender matching, take-rate commission, and embedded distribution — though operating in the US rather than Brazil.
- Juvo: Brazilian lender using mobile phones as collateral for personal loans, focused on self-employed and negative-credit borrowers. Both a partner on the EasyCrédito platform and a direct competitor for the same underbanked borrower segment.
- Simplic: Brazilian digital personal-loan lender targeting customers without traditional banking access. Listed EasyCrédito partner and direct competitor for unsecured personal loans in the negative-credit segment.
- Noverde: Brazilian micro-credit and personal-loan platform focused on rapid approval for emergency funding. Listed EasyCrédito partner and a direct competitor for small-ticket consumer credit.
- Bankrate: US personal-finance comparison platform that aggregates credit card, mortgage, and loan offers. Comparable to EasyCrédito on the comparison/marketplace function and the lead-generation commission model, though serving US consumers.
- Crediblue: Brazilian home-equity lender offering loans from R$50K to R$5M with terms up to 120 months. Listed EasyCrédito partner and direct competitor for property-backed credit products.
- SuperSim: Brazilian micro-credit and high-approval personal loan lender using cell phones as collateral for underbanked borrowers. Listed EasyCrédito partner and direct competitor in the small-ticket negative-credit segment.
Broad incumbents
- Banco BMG: Major Brazilian private bank specializing in consigned credit (payroll-deductible loans) for INSS beneficiaries, public employees, and retirees. Both a core EasyCrédito lender partner and a broader incumbent competing for the same consigned segment directly.
Others
- Méliuz: Brazil's leading cashback platform and a core B2B distribution partner that embeds EasyCrédito's credit offering into Méliuz's user flow via parameterized links. Also a peer in that Méliuz has launched its own branded credit product (Méliuz Empréstimos), making it both a partner and an adjacent competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
EasyCrédito social profiles
Digital presenceEasyCrédito compliance and trust
Trust signalCompliance2 records
EasyCrédito financial estimates
Financial estimateRevenue estimate
Valuation estimate
EasyCrédito leadership team
Management profileNumber of profiles
Profiles5 records
EasyCrédito funding detail
Funding detailFunding overview
Funding rounds8 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
EasyCrédito M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about EasyCrédito
What does EasyCrédito do?
EasyCrédito operates as a digital credit comparison and aggregator platform that connects Brazilian consumers with personal loans, credit cards, vehicle- and home-backed loans, consignado credit, FGTS advances, and working capital from 36+ partner financial institutions through a single registration. The platform also offers B2B White Label and API solutions allowing partners to embed credit offerings into their own platforms, with EasyCrédito functioning as a correspondent bank under Brazilian Central Bank regulations.
Is EasyCrédito a public or private company?
EasyCrédito is a private company. It is classified as venture growth investor backed and is currently operating.
When was EasyCrédito founded?
EasyCrédito was founded in 2015. It employs 51 to 100 people.
Where is EasyCrédito based?
EasyCrédito is headquartered in Goiânia, Brazil, in the Latin America region.
How does EasyCrédito make money?
Three revenue lines are on record. B2B Partnership Commissions are the primary driver. The others are correspondent Banking Fees and interest Rate Spread (Indirect).
Who are EasyCrédito's main competitors?
Direct peers on record are Creditas, LendingTree, Juvo, Simplic, Noverde, Bankrate, Crediblue and SuperSim. Banco BMG is listed as a broad incumbent. Méliuz is listed as an others.
Does EasyCrédito have an API?
Yes. Credit API that allows partners to embed credit offerings directly into their platform. Partners can plug their system into the API to start offering credit options and increase revenue without their customers needing to leave the platform. Features include real-time proposal updates and customizable user journey. Operation responsibility lies with EasyCrédito. Developer documentation is at developers.easycredito.com.br.
What industry is EasyCrédito in?
EasyCrédito's product category is Credit Comparison Platform. Its primary akta.pro industry code is FSAGAHAL, Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching). Its NAICS code is 5223 and its SIC code is 6163.