Quero Financiar

What Quero Financiar does

Quero Financiar is a Brazilian digital loan marketplace operated by UNI Serviços de Apoio Administrativo Ltda, functioning as a Correspondente Bancário under Resolução nº 3.954 of the Banco Central do Brasil. Founded in 2016 and headquartered in Itajaí, Santa Catarina, the platform aggregates loan offers from multiple partner financial institutions — including Banco Votorantim, OMNI, Creditas, AYMORÉ, Banco Daycoval, and Banco Mercantil — and routes individual consumer applications through a single digital application flow. Its product portfolio spans vehicle-backed loans (interest from ~1.20% per month, up to 90% of vehicle value, terms to 60 months), home equity loans (R$50,000+ up to 240 months), truck-backed loans (R$25,000+), vehicle refinancing, renovation/construction loans, vehicle financing (terms to 60 months), and unsecured personal loans up to R$6,000 with terms up to 18 months.

The platform is a web and mobile application that supports 100% digital onboarding, with reported credit analysis turnaround as fast as 5 minutes and digital contract signing. Core technology centers on a multi-bank aggregation and distribution layer rather than proprietary underwriting; credit adjudication is performed by partner institutions. A separately operated Credit Agent (Agentes de Crédito) channel partner program adds a human-assisted distribution tier on top of the self-serve funnel.

The business model is commission-based: Quero Financiar does not charge borrowers any fees and earns correspondent banking commissions from partner financial institutions for each loan originated, plus referral commissions distributed to credit agents. Disclosed operational scale includes 40,000+ monthly loan requests, R$35 billion in cumulative credit requested through the platform, and R$600 million in customer interest savings claimed since 2016. No external institutional funding rounds, M&A activity, or revenue figures are disclosed in the source data.

Name

Quero Financiar

Legal name

UNI Serviços de Apoio Administrativo Ltda

Website

https://querofinanciar.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Quero Financiar is a Brazilian digital lending marketplace operating as a banking correspondent, aggregating loan offers from multiple partner banks for individual consumers across Brazil. Products include vehicle-backed loans, home equity, vehicle financing, refinancing, truck-backed loans, and small-ticket personal loans, monetized via bank commissions.

Ownership category

akta.pro rank

Product category

Online Consumer Lending Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)

akta.pro secondary industries

Credit Marketplaces, Aggregators & Loan Routing (FSADAFAJ), Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)

Keywords

• Consumer lending platform
• Secured loan brokerage
• Vehicle-backed lending
• Home equity loans
• Credit marketplace

Headquarters

HQ city

Camboriú

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Correspondent banking commissions: As a Correspondente Bancário (banking correspondent), Quero Financiar receives commissions from partner financial institutions for each loan processed. The company is paid by the banks, not by customers.
2. Credit agent program commissions: Commission revenue from the Credit Agent Partner program where agents earn commissions for each referred loan that is approved and disbursed.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Quero Financiar is a Brazilian digital lending marketplace that operates as a Correspondente Bancário, aggregating multiple partner financial institutions into a single 100% digital platform where individual consumers can compare and apply for personal loans, vehicle-backed loans, home equity loans, vehicle refinancing, truck-backed loans, renovation/construction loans, and vehicle financing. The company does not lend its own funds; instead it intermediates credit between borrowers and partner banks, earning commissions for each loan processed.

Product overview

Quero Financiar is a Brazilian digital loan marketplace that operates as a multi-bank correspondent, connecting borrowers with partner financial institutions to offer various credit products. The product portfolio includes secured loans with vehicle collateral (Empréstimo com Garantia de Veículos), property-backed home equity loans (Empréstimo com Imóvel em Garantia), vehicle refinancing (Refinanciamento de Veículos), truck collateral loans (Empréstimo com Caminhão em Garantia), renovation/construction loans (Empréstimo para Reforma ou Construção), personal loans (Empréstimo Pessoal Online), and vehicle financing (Financiamento de Veículo). The platform differentiates itself through its 100% digital process, multi-bank aggregation approach, and competitive interest rates enabled by collateral-backed lending.

Differentiator

Problem solved

Functional benefit

Products and services

• Empréstimo com Garantia de Veículos (Vehicle-Backed Loan) A secured loan product where borrowers use their vehicle as collateral to obtain credit with lower interest rates. The vehicle remains with the owner during the contract period. Interest starts at 1.20% per month, with values up to 90% of vehicle value and terms up to 60 months.
• Empréstimo com Imóvel em Garantia (Home Equity Loan) A home equity loan product where borrowers use their property as collateral to access larger loan amounts with extended repayment terms of up to 240 months. Loans start at R$ 50,000 with interest from 1% to 3.5% per month and values up to 60% of property value.
• Empréstimo para Reforma ou Construção (Renovation/Construction Loan) A specialized loan product for home renovation and construction purposes, using vehicle collateral to secure funds for property improvement projects.
• Empréstimo Pessoal Online (Online Personal Loan) An unsecured personal loan product offering up to R$ 6,000 with repayment terms of up to 18 months, processed entirely digitally with fast approval.
• Refinanciamento de Veículos (Vehicle Refinancing) A vehicle refinancing product allowing borrowers to leverage their existing paid-off vehicle as collateral to obtain credit with competitive interest rates.
• Empréstimo com Caminhão em Garantia (Truck-Backed Loan) A commercial vehicle loan product specifically for truck owners, using the truck as collateral to access credit for business or investment purposes. Loans start at R$ 25,000 with interest starting at 1.20% per month and values up to 90% of truck value.
• Financiamento de Veículo (Vehicle Financing) A vehicle financing product enabling the purchase of new or used vehicles with repayment terms of up to 60 months, processed 100% digitally. Interest ranges from 1% to 2.5% per month depending on credit analysis.

Quantifiable outcome

• R$ 35 billion in credit requested through platform
• +2 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators7 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• OMNI S/A Crédito, Financiamento e Investimento: OMNI is a Brazilian financial institution specialized in vehicle financing and installment credit. It is a core bank partner of Quero Financiar and a direct competitor in vehicle-backed lending.
• Bxblue: Bxblue (BX Negócios Inteligentes) is a Brazilian digital credit platform specializing in payroll-deductible loans and credit comparison. It is also a listed partner of Quero Financiar, indicating direct overlap in the aggregation business.
• Bom Pra Crédito: Bom Pra Crédito (P.P. Promotora de Vendas) is a Brazilian online credit marketplace that aggregates loan offers from multiple lenders, much like Quero Financiar. It appears as a listed financial partner of Quero Financiar.
• AYMORÉ Crédito, Financiamento e Investimento: AYMORÉ is a Brazilian financial institution focused on vehicle credit and secured loans. As a core partner of Quero Financiar, it both supplies loan products through the platform and competes in similar vehicle lending segments.
• Click Cash (Crédito24): Click Cash is a Brazilian online personal-loan provider offering digital credit to consumers. Listed as a partner of Quero Financiar, it overlaps in the digital consumer-credit space.
• Creditas: Creditas is a leading Brazilian secured-lending fintech (home equity, vehicle-backed, payroll loans). It is both a Quero Financiar partner bank and a direct competitor offering similar collateralized loan products to Brazilian consumers.

Broad incumbents

• Banco Inter: Banco Inter is a large Brazilian digital bank offering personal loans, vehicle financing, and home equity directly to consumers. As a fully-licensed incumbent, it competes with Quero Financiar's aggregation value proposition by offering similar products end-to-end.
• Banco Daycoval: Banco Daycoval is a Brazilian commercial bank offering vehicle financing, personal loans, and other credit products directly to consumers. As a Quero Financiar partner, it overlaps in the same product categories the platform aggregates.
• Nubank: Nubank is the largest Brazilian digital bank, offering personal loans and overdrafts to a broad consumer base. Its scale and direct digital onboarding make it a powerful alternative to aggregator platforms for unsecured credit.

Regional players

• Financia Tudo: Financia Tudo is a Brazilian regional credit-solutions provider operating in the same intermediation model as Quero Financiar. Listed as a partner, it serves overlapping customer segments with comparable loan products.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@querofinanciar
• Facebookfacebook.com/querofinanciar
• Instagraminstagram.com/querofinanciar
• Xx.com/uni_credito
• LinkedInlinkedin.com/company/quero-financiar

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Quero Financiar