Disal Administradora De Consorcio Ltda
Disal Administradora de Consórcio Ltda, part of Grupo Disal, is a Brazilian consortium administrator offering interest-free vehicle and real estate consórcio plans to individual consumers, distributed via digital channels and an authorized partner network under Banco Central do Brasil authorization.
- Company typePrivate
- Founded-
- HeadquartersSão Paulo, Brazil
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Disal Administradora De Consorcio Ltda does
Disal Administradora de Consórcio Ltda, doing business as Disal Consórcio, is a privately held Brazilian consortium administration company headquartered in São Paulo, Brazil. It operates under Banco Central do Brasil Certificate of Authorization nº 03/00/057/89 and is part of the diversified Grupo Disal conglomerate, alongside sister brands Disal Max, Disal Seguros, and Disal Tecnologia.
The company's core offering consists of consórcio plans for two primary asset classes: vehicles (cars, trucks, motorcycles) and real estate (residential, commercial, land, construction, renovation). Members contribute monthly installments over terms ranging from 46 to 100 months and receive credit allocation through monthly assemblies conducted via federal lottery or competitive bidding (lance). Credit amounts range from R$37,500 to R$380,000 for vehicle plans, with annual IPCA indexation. Reduced credit (75% of face value) options are available at lower monthly payments. Real estate plans permit use of FGTS funds for lance payments. The company distinguishes itself through interest-free financing (only administrative fees and mandatory credit life insurance apply), no required down payment, and flexible allocation mechanics.
Disal operates a multi-channel GTM: direct-to-consumer via website and mobile app (Disal+ Clientes on iOS/Android), self-service customer portal (Autoatendimento), inside sales via 0800 contact center and WhatsApp, and indirect sales through an authorized partner network (Rede Autorizada). Revenue is generated through monthly consortium administration fees charged to participants across long-duration savings groups. The standalone headcount is reported at 7 employees, with shared operational resources likely leveraged from Grupo Disal. The company maintains ABAC industry association membership and a presence on the Reclame Aqui consumer review platform.
Disal Administradora De Consorcio Ltda firmographics
Firmographics- Name
- Disal Administradora De Consorcio Ltda
- Legal name
- Disal Administradora de Consórcio Ltda
- Website
- https://ccvw.com.br
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Disal Administradora de Consórcio Ltda, part of Grupo Disal, is a Brazilian consortium administrator offering interest-free vehicle and real estate consórcio plans to individual consumers, distributed via digital channels and an authorized partner network under Banco Central do Brasil authorization.
- Ownership category
- akta.pro rank
Disal Administradora De Consorcio Ltda industry classification
Industry- Product category
- Consortium Administration Services
- NAICS
- Trusts, Estates, and Agency Accounts (52592)
- akta.pro primary industry
- Estate Administration & Probate Services (FSAAANAE)
Keywords
Where Disal Administradora De Consorcio Ltda is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Disal Administradora De Consorcio Ltda business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Consortium Management Fees: Monthly consortium administration fees charged to participants in consorcium groups. Participants pay regular monthly installments which include both savings contributions and administrative fees. The company earns revenue from managing the pool of funds and facilitating monthly assemblies where participants are allocated credits through lottery or bidding.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Reduced Credit Automobile Consortium - Entry level plan with 75% credit value |
| Subscription | Monthly | Full Credit Automobile Consortium - Standard plan with 100% credit value |
| Subscription | Monthly | Real Estate Consortium - Residential and commercial property plans |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
Disal Administradora De Consorcio Ltda product offering
Product offeringCore offering
Disal Administradora de Consórcio Ltda administers Brazilian consortium plans that allow individual consumers to acquire vehicles or real estate through monthly group savings without interest, with credits allocated through monthly assemblies by lottery or competitive bidding. The company also offers complementary financial and insurance products (Disal Max, Disal Seguros) and serves customers through digital self-service, an authorized partner network, a call center, and mobile applications.
Product overview
Disal Administradora De Consortium Ltda operates as a consortium administrator offering two primary product lines: vehicle consortium (consórcio de veículos) and real estate consortium (consórcio de imóveis). These core products enable group savings without interest where participants contribute monthly and are allocated credits through monthly assemblies via lottery or bids. The company extends its offering through sub-brands including Disal Max (enhanced financial flexibility) and Disal Seguros (insurance products). Digital access is provided via the Disal+ Clientes mobile app and the Autoatendimento self-service portal. The products are regulated by the Banco Central do Brasil and operate under Certificate of Authorization nº 03/00/057/89.
Differentiator
Problem solved
Functional benefit
Brands
- Disal Max: Financial solution offering more flexibility, security and support for different moments. Part of Grupo Disal.
Products and services
- Disal Cons\u00f3rcio de Ve\u00edculos
Quantifiable outcome
- Up to 75% reduced credit options available, lowering initial monthly payments
- +2 more outcomes
Companies that use Disal Administradora De Consorcio Ltda
Customer profileSegments3 records
Ideal customer profiles3 records
Disal Administradora De Consorcio Ltda technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Disal Administradora De Consorcio Ltda partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered minor and core.
- VM2minorVM2 is credited as the website developer for disalconsorcio.com.br, providing web development and digital platform maintenance services.
- Grupo DisalcoreParent company umbrella organization encompassing Disal Consórcio, Disal Max (financial solutions), Disal Seguros (insurance), and Disal Tecnologia. The group provides integrated financial services ecosystem.
- Banco Central do Brasil (BCB)coreBrazil's central bank and regulatory authority that authorizes and supervises consortium administrators. Disal holds Certificate of Authorization nº 03/00/057/89.
- Associação Brasileira de Administradoras de Consórcios (ABAC)minorBrazilian industry association for consortium administrators. Disal maintains membership in ABAC, the sector's primary trade organization.
Scale indicators3 records
Recent moves5 records
Expansion highlights6 records
Disal Administradora De Consorcio Ltda competitors and assessment
Company assessmentBroad incumbents
- Itaú Consórcios: Consortium product line of Itaú Unibanco, a top-tier Brazilian bank. Offers vehicle, real estate, and other consórcios leveraging its retail banking distribution — directly competing with Disal for the same buyer profile.
- Banco do Brasil Consórcios: State-owned bank's consortium division offering auto, real estate, and rural consórcios at national scale. Competes with Disal on both vehicle and real estate consortium products, with stronger branch-based distribution.
- Bradesco Consórcios: Consortium arm of Bradesco, one of Brazil's largest banks. Offers vehicle and real estate consórcios with cross-sell into an existing deposit and lending customer base — a broader incumbent competing for the same end consumer.
Direct peers
- Embracon: One of Brazil's largest independent consortium administrators, offering vehicle, real estate, and service consórcios. Directly comparable to Disal in product set, regulatory model (BCB-licensed), and direct-to-consumer + partner channel mix.
- Rodobens Consórcio: Brazilian consortium administrator with a strong vehicle and truck consórcio franchise. Comparable to Disal in target customer (vehicle buyers) and consortium mechanics, though with a heavier commercial-vehicle skew.
Emerging players
- Porto Seguro Consórcio: Insurance-led financial group offering vehicle and real estate consórcios. Comparable to Disal as a non-bank consortium administrator, with an edge in insurance cross-sell (similar to Disal's prestamista bundling).
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
Disal Administradora De Consorcio Ltda social profiles
Digital presenceDisal Administradora De Consorcio Ltda financial estimates
Financial estimateRevenue estimate
Valuation estimate
Disal Administradora De Consorcio Ltda leadership team
Management profileNumber of profiles
Profiles1 record
Disal Administradora De Consorcio Ltda funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Disal Administradora De Consorcio Ltda 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 Disal Administradora De Consorcio Ltda
What does Disal Administradora De Consorcio Ltda do?
Disal Administradora de Consórcio Ltda administers Brazilian consortium plans that allow individual consumers to acquire vehicles or real estate through monthly group savings without interest, with credits allocated through monthly assemblies by lottery or competitive bidding. The company also offers complementary financial and insurance products (Disal Max, Disal Seguros) and serves customers through digital self-service, an authorized partner network, a call center, and mobile applications.
Is Disal Administradora De Consorcio Ltda a public or private company?
Disal Administradora De Consorcio Ltda is a private company. It is classified as corporate owned and is currently operating.
When was Disal Administradora De Consorcio Ltda founded?
Disal Administradora De Consorcio Ltda was founded in -1. It employs 1 to 10 people.
Where is Disal Administradora De Consorcio Ltda based?
Disal Administradora De Consorcio Ltda is headquartered in São Paulo, Brazil, in the Latin America region.
How does Disal Administradora De Consorcio Ltda make money?
One revenue line is on record: consortium Management Fees.
Who are Disal Administradora De Consorcio Ltda's main competitors?
Broad incumbents on record are Itaú Consórcios, Banco do Brasil Consórcios and Bradesco Consórcios. Direct peers are Embracon and Rodobens Consórcio. Porto Seguro Consórcio is listed as an emerging player.
Does Disal Administradora De Consorcio Ltda have an API?
No public API is recorded for Disal Administradora De Consorcio Ltda.
What industry is Disal Administradora De Consorcio Ltda in?
Disal Administradora De Consorcio Ltda's product category is Consortium Administration Services. Its primary akta.pro industry code is FSAAANAE, Estate Administration & Probate Services. Its NAICS code is 52592.