Losango
- Company typePrivate
- Founded2023
- HeadquartersRio De Janeiro, Brazil
- Headcount101–250
- GTM typeB2C
- OfferingServices
Losango firmographics
Firmographics- Name
- Losango
- Legal name
- Banco Bradesco Financiamentos S.A.
- Website
- https://www2.losango.com.br
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Where Losango is headquartered
LocationHeadquarters
- HQ city
- Rio De Janeiro
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Losango business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Personal Loans (Empréstimo Pessoal): Interest income from personal credit loans offered to consumers. Products include Empréstimo Pessoal and Empréstimo Online. Note: Products have been discontinued for new contracting as of the information date.
- Consumer Credit (Crédito Direto ao Consumidor): Direct consumer credit financing with options including CDC Online. Interest-based revenue from installment financing of consumer goods.
- Credit Cards: Revenue from Losango credit cards including Cartão Viva Internacional, Cartão VC-pode, and Cartão Losango Visa. Revenue generated from interchange fees, annual fees, and interest on revolving balances.
- Insurance Products: Microsseguro Acidental Premiável (micro accident insurance with prize drawings) and Seguro Proteção Financeira (financial protection insurance). Revenue from insurance premiums.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Other | Fee-based services with published tariff table |
Go-to-market motion1 record
Distribution channels7 records
Marketing channels5 records
Losango product offering
Product offeringCore offering
Losango is a Brazilian consumer finance brand that historically sold personal loans (Empréstimo Pessoal), direct consumer credit (Crédito Direto ao Consumidor), credit cards (Cartão Viva, VC-pode, Cartão Losango Visa), and insurance products (Microsseguro Acidental Premiável, Seguro Proteção Financeira) to individual consumers. These products have been discontinued for new contracting, and the brand now primarily services its existing contract portfolio through the Minha Conta online portal, mobile app, and phone-based customer service centers.
Product overview
Losango is a digital financial services platform operated by Banco Bradesco Financiamentos S.A. offering personal loans, direct consumer credit, credit cards, and insurance products. The product portfolio includes Empréstimo Pessoal (Personal Loan), Crédito Direto ao Consumidor (Direct Consumer Credit), Cartão Viva/Visa/VC-pode credit cards, Microsseguro Acidental Premiável (Accidental Insurance), and Seguro Proteção Financeira (Financial Protection Insurance). All primary credit and card products have been discontinued for new contracts as of the merger with Banco Bradesco Financiamentos on April 28, 2023, though existing customers with active contracts continue receiving services. Customers access all products through the Minha Conta (My Account) portal which provides functions for duplicate bill issuance, installment prepayment, debt renegotiation, and payment management.
Differentiator
Problem solved
Functional benefit
Products and services
- Empréstimo Pessoal (Personal Loan) Personal installment-based credit product offered to Brazilian individual consumers for personal financing needs. Discontinued for new contracts; existing active contracts continue to be serviced.
- Crédito Direto ao Consumidor (Direct Consumer Credit) Direct consumer credit financing enabling customers to finance purchases through installment payments. Discontinued for new contracts; existing active contracts continue to be serviced.
- Losango Credit Cards (Cartão Viva Internacional, Cartão VC-pode Internacional, Cartão Viva, Cartão VC-pode, Cartão Losango Visa) Losango-branded credit card portfolio including international and domestic variants and a Visa co-branded card, allowing purchases and payments in Brazil and abroad. Portfolio discontinued for new contracting; existing cardholders continue to receive service.
- Microsseguro Acidental Premiável Micro accidental insurance with prize drawings, providing coverage for accidental death or injury with periodic prize incentives for policyholders. Discontinued for new contracting; existing policyholders continue to be serviced.
- Seguro Proteção Financeira Financial protection insurance covering loan payments in cases of disability, unemployment, or death. Discontinued for new contracting; existing policyholders continue to be serviced.
- Minha Conta (My Account) Online Portal Online customer portal accessible via the Losango website where existing customers can view second copies of bills, prepay installments, renegotiate overdue debt (completable online in approximately five minutes), obtain quitclaim declarations, and manage all Losango product contracts.
Quantifiable outcome
- Debt renegotiation can be completed online in 5 minutes
Companies that use Losango
Customer profileSegments1 record
Ideal customer profiles1 record
Losango technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Losango partnerships and signals
Strategic signalScale indicators1 record
Recent moves4 records
Expansion highlights2 records
Losango competitors and assessment
Company assessmentBroad incumbents
- Banco Inter: Brazilian digital bank offering credit cards, personal loans, and CDC financing through a digital account; overlapping products and customer base with Losango's discontinued suite.
- C6 Bank: Brazilian digital bank with consumer credit cards and personal loans; competes for the same digital-first, mass-affluent-to-mass-market customer that Losango historically targeted.
- Nubank: Largest Brazilian digital bank with credit cards, personal loans, and overdraft products; broader and far larger than Losango, but directly competing for the same digital-first Brazilian consumer segment.
- Banco Bradesco: Parent organization of Losango via Banco Bradesco Financiamentos S.A.; offers the same consumer-credit products (personal loans, CDC, credit cards) at much larger scale through its flagship brand and physical branch network.
- Banco Votorantim (BV): Large Brazilian retail bank offering personal loans, CDC, and credit cards via digital channels; broader product mix than Losango but overlapping core consumer-credit products and digital-first distribution model.
Direct peers
- Crefisa: Brazilian consumer-credit specialist offering personal loans and payroll-deductible credit to lower-income borrowers; directly comparable to Losango's personal-loan and CDC products and customer base.
- Banco PAN: Brazilian consumer-finance bank historically focused on personal loans, CDC, and credit cards for mass-market and subprime borrowers — almost identical product set to Losango's pre-discontinuation lineup and same target customer segment.
- Banco BMG: Brazilian bank specializing in payroll-deductible loans and consumer credit, with a digital servicing model; overlaps with Losango's CDC and personal-loan offerings and similar subprime focus.
- Paraná Banco: Mid-sized Brazilian bank with a consumer-credit and payroll-deductible lending franchise; comparable to Losango's installment-credit and personal-loan book.
Emerging players
- Geru: Brazilian online consumer lender using alternative-data underwriting for subprime borrowers; comparable to Losango's 'Empréstimo Online' digital channel and target segment, though operating at much smaller scale.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
Losango social profiles
Digital presenceLosango financial estimates
Financial estimateRevenue estimate
Valuation estimate
Losango leadership team
Management profileNumber of profiles
Losango funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Losango 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 Losango
What does Losango do?
Losango is a Brazilian consumer finance brand that historically sold personal loans (Empréstimo Pessoal), direct consumer credit (Crédito Direto ao Consumidor), credit cards (Cartão Viva, VC-pode, Cartão Losango Visa), and insurance products (Microsseguro Acidental Premiável, Seguro Proteção Financeira) to individual consumers. These products have been discontinued for new contracting, and the brand now primarily services its existing contract portfolio through the Minha Conta online portal, mobile app, and phone-based customer service centers.
Is Losango a public or private company?
Losango is a private company. It is classified as corporate owned and is currently operating.
When was Losango founded?
Losango was founded in 2023. It employs 101 to 250 people.
Where is Losango based?
Losango is headquartered in Rio De Janeiro, Brazil, in the Latin America region.
How does Losango make money?
Four revenue lines are on record. Personal Loans (Empréstimo Pessoal) is the primary driver. The others are consumer Credit (Crédito Direto ao Consumidor), credit Cards and insurance Products.
Who are Losango's main competitors?
Broad incumbents on record are Banco Inter, C6 Bank, Nubank, Banco Bradesco and Banco Votorantim (BV). Direct peers are Crefisa, Banco PAN, Banco BMG and Paraná Banco. Geru is listed as an emerging player.
Does Losango have an API?
No public API is recorded for Losango.