CredConfia

CredConfia is the app that connects you to the best credit options in Brazil in a simple, fast, and 100% digital way. Compare offers from partner financial institutions, simulate without obligation, and contract directly from your cell phone, without queues and without bureaucracy.

We only work with financial institutions authorized and regulated by the Central Bank of Brazil. All operations are carried out directly with the bank chosen by the client, using digital contracts with legal validity and certified electronic signature.

Available loan types in the app:

• INSS, SIAPE, and Government Payroll Loans
• Employee Loan (CLT)
• FGTS Birthday Withdrawal Advance
• Loan via Bank Slip
• Vehicle Refinancing

Important information about loan conditions:

Payroll Loan:
• Minimum repayment term: 24 months
• Maximum repayment term: 120 months
• Interest rates: from 1.49% p.m. to 2.20% p.m.
• APR (maximum annual percentage rate): up to 29.84% p.a.

• Total Effective Cost (CET) may vary depending on profile, agreement, and financial institution.

Representative example — Payroll Loan:
• Contracted amount: R$ 10,000.00
• Term: 84 months
• Interest rate: 1.89% per month
• Estimated CET: 26.10% per year
• Approximate installment value: R$ 238.47
• Total amount paid at the end of the contract: R$ 20,031.48

FGTS Advance:
• Maximum advance: up to 5 years
• Maximum rate: 1.85% per month
• Estimated maximum advance: up to 24.57% per year

Credit via Bank Slip:
• Estimated term: 6 to 24 months
• Estimated average rates: from 5.99% p.m. to 12.99% p.m.
• Estimated maximum APR: up to 333.27% p.a.

Employee Credit (CLT):
• Estimated term: 12 to 48 months
• Estimated average rates: from 2.49% p.m. to 5.99% p.m.
• Estimated maximum APR: up to 100.89% p.a.

Vehicle Refinancing:
• Estimated term: 12 to 60 months
• Estimated average rates: from 1.39% p.m. to 2.79% p.m.
• Estimated maximum APR: up to 39.15% p.a.

The terms and conditions presented may vary depending on credit analysis, customer profile, agreement, partner financial institution, and conditions in effect at the time of contracting.

Visit our privacy policy at https://credconfia.app/privacy

Download CredConfia now and find the best financial solution for you.