Consiga Empréstimos

What Consiga Empréstimos does

Consiga Empréstimos LTDA is a privately-held Brazilian credit intermediary founded in 2011 and operating since 2013, headquartered in Vitória, Espírito Santo. The company distributes personal loans, payroll-deductible consignado credit, and credit-card-based FGTS anticipation products to individual consumers, primarily salaried CLT workers, self-employed professionals, retirees, public servants, and small business owners. Loan tickets reach up to R$20,000 via carnê (installment booklet), check, or direct debit, with disbursements executed via PIX.

The business is built around a branch-led distribution model: Consiga operates more than 16 physical storefronts across Espírito Santo, Bahia, and Rio de Janeiro, supported by WhatsApp, a website loan simulator, and a phone/contact center. Revenue is generated on a transaction/take-rate basis on each loan originated, with the company also acting as a distribution intermediary for 15+ partner financial institutions including crefaz, Finanzero, Cia do Crédito, TokReal, and Bom Pra Crédito, which extends the product set beyond Consiga's own balance sheet. Underlying technology is not publicly disclosed; the firm is LGPD-compliant and operates with 51–100 employees under founder/owner-controlled ownership with no disclosed institutional investment.

The strategic positioning targets underbanked and underserved retail borrowers in mid-sized Brazilian municipalities — segments that prefer in-person service and Saturday branch hours over purely digital onboarding. Pricing is quote-based with "special rates" varying by customer profile and loan type, and the company explicitly markets a no-upfront-fee policy to differentiate from predatory local lenders.

Name

Consiga Empréstimos

Legal name

Consiga Empréstimos LTDA

Website

https://consigaemprestimos.com.br

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

101–250 employees

Short description

Consiga Empréstimos is a Brazilian credit intermediary that distributes personal loans, payroll-deductible consignado, and FGTS anticipation products to retail consumers via 16+ physical branches across Espírito Santo, Bahia, and Rio de Janeiro, supplemented by partner financial institutions.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Consumer Lending (522291), Other Nondepository Credit Intermediation (52229)

SIC

Loan Brokers (6163), Personal Credit Institutions (6141)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

Keywords

• Personal loans
• Payroll-deductible loans
• Consumer credit
• FGTS anticipation
• Credit intermediation

Headquarters

HQ city

Vitória

HQ country

Brazil

HQ region

Latin America

Offices18 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Personal Loans (Empréstimo Pessoal): Traditional personal loans offered to individuals including salaried workers, self-employed professionals, retirees, and business owners. Loans disbursed via carnê (installment booklets), checks, or direct debit with repayment periods ranging from 18x to 36x.
2. Cred Trabalhador (Consignado): Payroll-deductible loans for formal employees (CLT workers) where installments are automatically deducted from the employee's paycheck. Features lower interest rates than personal credit and instant PIX disbursement.
3. FGTS Anticipation (Antecipação do FGTS): Credit granted against available FGTS (severance fund) balance, with installment plans up to 12x and no credit bureau analysis required.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Consiga Empréstimos is a Brazilian credit intermediary that originates and distributes consumer credit products, including personal loans via carnê/check/direct debit up to R$20,000, payroll-deductible loans (Cred Trabalhador / consignado) for formal CLT workers with PIX disbursement, and credit-card-backed FGTS anticipation loans with no credit analysis. The company delivers these products through 16+ physical retail branches across Espírito Santo, Bahia, and Rio de Janeiro states, supplemented by WhatsApp, website, and contact-center channels, with revenue generated from transaction-based fees on direct loan origination and partner-channel credit intermediation.

Product overview

Consiga Empréstimos is a Brazilian credit intermediary offering a portfolio of three core loan products: Empréstimo Pessoal (personal loans via carnê, check, or direct debit up to R$20,000 in 18x-36x), Cred Trabalhador (payroll-deductible loans for formal workers with automatic paycheck deduction and PIX disbursement), and Antecipação do FGTS (credit card cash advances without credit analysis). The company also provides an online loan simulator and partner portal, operating physical branches across Espírito Santo, Bahia, and Rio de Janeiro states.

Differentiator

Problem solved

Functional benefit

Brands

• Cred Trabalhador: Credit product for workers with formal employment (carteira assinada), where installments are deducted directly from payroll.
• Empréstimo Pessoal
• Antecipação do FGTS

Products and services

• Cred Trabalhador (Empréstimo Consignado) A payroll-deductible loan for formal Brazilian workers (CLT employees) aged 23-79, with installments automatically deducted from the employee's paycheck. Features interest rates below market for personal credit and instant PIX disbursement, reducing default risk for the lender.
• Empréstimo Pessoal A traditional personal loan for Brazilian individuals — salaried workers, self-employed (autônomos), liberal professionals, retirees, civil servants, and entrepreneurs aged 25-79 — disbursed up to R$20,000 in up to 18 installments via carnê (installment booklet), check, or direct debit. Includes SPC/SERASA credit bureau consultation, processing, and a first-payment grace of up to 60 days.
• Antecipação do FGTS / Empréstimo no Cartão de Crédito A credit-card cash-advance product that grants loans against the customer's available credit card limit, up to 12 installments, with PIX disbursement and no credit-bureau analysis required. Repayment occurs via the credit card bill, providing fast access to liquidity for emergency or personal use.

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Geru: Brazilian online consumer lender specializing in personal loans for middle-income and underbanked borrowers. Pure-digital competitor pressing Consiga on price and speed in overlapping customer segments.
• Just (Just.br): Brazilian digital consumer lender offering personal loans and payroll-deductible credit (consignado) online. Overlaps with Consiga's customer segments with a mobile-first origination model.
• Simplic (formerly Simplo): Brazilian digital consumer-credit platform offering personal and FGTS-backed loans online. Comparable product mix to Consiga but with no physical distribution.

Broad incumbents

• Banco PAN: Mid-sized Brazilian bank with a large consumer-credit book (payroll, personal, vehicle) and nationwide branch footprint. Broad incumbent in Consiga's categories with deposit funding advantages.
• Creditas: One of the largest Brazilian digital consumer-credit platforms, offering secured and unsecured personal loans, payroll loans, and FGTS-backed products. Operates at materially greater scale and brand recognition than Consiga across Brazil.

Direct peers

• Bom Pra Crédito: Brazilian online loan broker for personal, payroll, and FGTS-backed credit. Same intermediary role and customer segments as Consiga, with a primarily digital GTM; also a Consiga partner.
• Finanzero: Brazilian online loan-comparison and brokerage platform focused on personal, payroll, and refinance loans. Comparable consumer-lending intermediation model; a Consiga distribution partner, but emphasizes digital origination over physical stores.
• Crefaz: Brazilian consumer credit intermediary offering personal loans, payroll-deductible credit, and FGTS anticipation. Directly comparable to Consiga: also operates as a multi-product credit broker in Brazil and is explicitly listed as a Consiga distribution partner.
• Cia do Crédito: Brazilian credit broker with physical store network distributing personal, payroll, and FGTS-backed loans. Same product mix and intermediary model as Consiga; also listed as a Consiga partner.
• TokReal: Brazilian fintech focused on credit intermediation and embedded lending products for retail consumers. Comparable business model — non-depository credit intermediation — and a Consiga distribution partner.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@consigaemprestimos_
• Facebookfacebook.com/consigaemprestimoses
• LinkedInlinkedin.com/company/consigaemprestimos
• Instagraminstagram.com/consigaemprestimos_

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Consiga Empréstimos