Creditas - Empréstimo online

An app with the guarantee of your next step? Credits.

Quality loan, cheaper and with digital experience for those who do not accept abusive interest rates. Here, your car, house or salary open the door to low interest rates. With us, you are guaranteed possibilities to change your life for the better. After all, we value what is valuable to you.

Download the app and discover credit options for different moments in your life.

If you are already a customer, with the app you can manage your loan, consult and pay your bills, simulate a new loan. And if you work for an affiliated company, you can take out a payroll loan, access the balance on your benefits card, purchase discounts on products and services and advance your salary.

Not a customer yet? That's okay, you can simulate your loan using your property or car as collateral, to get the best rates. And your car or property remains yours.

Discover our conditions:

Loan with vehicle guarantee:

- Interest from 1.49% to 5.28% per month;

- Credit from R$5 thousand to R$150 thousand;

- Up to 60 months to pay;

- Annual rate from 19.42% to 85.42%.

Loan with property guarantee:

- Interest from 1.09% to 2.19% + IPCA per month;

- Credit from R$50 thousand to R$3 million;

- Up to 240 months to pay.

- Annual rate from 13.08% to 26.2% + IPCA.

Private payroll loan (for employees of partner companies):

- Interest from 1.49% to 6.79% per month;

- The minimum payment term is 3 months and a maximum of 60 months;

- Credit from R$300 to R$70 thousand;

- Annual rate from 21.11% to 113.48%.

Vehicle financing:

- For vehicle financing, the interest rate can vary from 1.49% to 5.55% per month.

The interest rate is calculated according to your financial history and your collateral.

Get to know our conditions in practice:

Loan with property as collateral of R$100,000 to be paid in 20 years (240 months): the initial installment will be R$1,397.67, with an interest rate of 1.09% per month + IPCA, Price Amortization System. The total effective cost, that is, the total operation rate will be 17.55% per year.

For a private payroll loan, in the amount of R$15,000 with payment in 48 months, the installments will be R$625.05, rate of 2.99% - CET of 3.16% and Annual CET of 45.19%.

Total Effective Cost (CET): minimum of 21.11% and maximum of 122.70% per year.