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Creditas review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Creditas suits Brazilian homeowners funding home improvements without an unsecured loan, and the numbers back it up: BRL 50,000 to BRL 3,000,000 at 12.5% a year. The catch is timing, since funds arrive only after the guarantee registration is validated in the property registry, so plan the works ahead.

Key facts

Best for
Turning property equity into renovation money, in Brazil, without an origination charge.
APR
12.5%↗
Loan amount
R$50,000 to R$3,000,000↗
Term
60 to 240 months↗
Arrangement fee
0 BRL - no upfront or origination fee; only IOF, interest, notary costs and annual TC apply↗
Credit check
Hard↗
Funding time
4 business days after the guarantee registration is validated in the property registry↗
Representative example
Home Equity Creditas: CET of 12.50% per year for R$ 100,000 over 240 months↗
Rate type
Variable↗
Lender type
Direct lender↗
Eligibility
18 or older and resident in Brazil↗
Loan types
Secured, Personal, Car, Debt-consolidation↗
Use cases
Home-improvement↗
Legal entity
Creditas Solucoes Financeiras Ltda.↗
Headquarters
Brazil↗
Founded
2012↗
Support channels
Phone↗
Official website
creditas.com

Mortgages

Initial rate
1.09%↗
APRC
12.5%↗
Fixed period
5 to 20 years↗
Maximum loan to value
60%↗
Product fee
R$0↗
Purpose
Home-equity↗

Personal insurance

Insurance types
Auto, Home, Life, Travel, Gadget↗
Provider type
Broker↗

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
LinkedInX

Pros and cons

Pros

  • Product fee of BRL 0 on the home equity loan, with no upfront or origination charge; IOF tax, interest, notary costs and an annual tariff are what you pay instead.
  • Terms of 60 to 240 make a large renovation manageable month by month, and 12.5% a year sits under the 15.5% median on the site.
  • The stated initial rate of 1.09% is under the 4.69% median initial rate on the site, and variable pricing moves with the market.

Cons

  • A hard credit check means the enquiry is recorded even if you do not go ahead.
  • Support runs on phone only, so there is no listed email or chat route.
  • The maximum loan to value is 60%, under the 90% median across the site, so the amount turns on what the home is worth.
Creditas

Ready to try Creditas?

Scored 9.0 / 10 by SumCue.

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Who it suits

  • Brazilian homeowners with a property to put behind a planned renovation.
  • Borrowers who can wait for the guarantee registration in the property registry before the money moves.
  • Shoppers who also want to place insurance cover, since the group brokers auto, home and life policies.

Who should look elsewhere

  • Cashspace, if you want rates of PHP 12 to PHP 36 outside Brazil rather than a loan secured on a home.
  • Creduma ES, if you would rather borrow in euro with loans of from €12,000 than tie up property.
  • Sofkredit, if 10.74% to 18.06% in Spain suits you better than a home equity rate.

Safety of your money

Creditas is a direct lender, so the home equity contract is with the company that carries the guarantee rather than a broker routing you to someone else. The representative example prices home equity at a year rate of 12.5%, and the loan is secured on the property rather than on a signature alone.

Who runs it

Creditas Solucoes Financeiras Ltda. is the legal entity behind the brand, based in Brazil and founded in 2012. Support runs on phone only, so there is no listed email or chat route. A loan secured on a home needs someone to call when the guarantee registration moves slowly.

How Creditas compares

Where Creditas is available

Available
Brazil

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to borrow from Creditas?+

The home equity product carries a product fee of BRL 0 and no upfront or origination charge. What you do pay is interest at 12.5% a year, plus IOF tax, interest, notary costs and an annual tariff. The rate type is listed as variable.

How much can I borrow and over what term?+

Home equity borrowing runs BRL 50,000 to BRL 3,000,000 over terms of 60 to 240. The maximum loan to value is 60%, so the final amount depends on what the property is worth as security rather than on income alone.

Will applying affect my credit file?+

Yes. The application runs a hard credit check, so the enquiry is recorded whether or not you go ahead. That is the trade for property-backed pricing, and it can leave a mark on your file for a while.

How long does it take to get the money?+

Creditas says funding follows a waiting period of a few business days after the guarantee registration is validated in the property registry, so a home equity loan for home improvement is better planned ahead than rushed.

Who can apply for this loan?+

Applicants must be adults and residents of Brazil, and the borrowing is aimed at people with property to secure it. The listed loan types are secured, personal and car, so car and debt consolidation products sit alongside the home equity product described here.

Can I hold the rate steady for a while?+

The rate type is listed as variable, with a fixed stretch of 5 to 20 available and an initial rate of 1.09%. That mix suits borrowers who want a predictable spell before the rate moves again.

Who am I actually dealing with?+

The legal entity is Creditas Solucoes Financeiras Ltda., based in Brazil and founded in 2012. It lends as a direct lender, direct lender, so the contract is with the company that holds the property guarantee. Support runs on phone.

Sources

  • creditas.com checked September 26, 2026

    Backs: Founded, Headquarters, Insurance types, Legal entity, Loan types, Support channels

    “foundingDate: 2012”

  • creditas.com/emprestimo/garantia-imovel checked September 26, 2026

    Backs: Loan amount, APR, APRC, Credit check, Eligibility, Fixed period, Funding time, Initial rate, Lender type, Maximum loan to value, Arrangement fee, Product fee, Purpose, Rate type, Representative example, Term, Use cases

    “Nao cobramos seguros nem taxas ou valores antecipados para liberar o emprestimo (fees are IOF, interest, notary costs and annual registration fee TC)”

  • creditas.com/seguros checked September 26, 2026

    Backs: Provider type

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Creditas

Creditas

Turning property equity into renovation money, in Brazil, without an origination charge.

9.0/10See alternatives