Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

FinanZero review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

FinanZero is a Brazilian broker for personal loans, useful for borrowers who want partner offers compared side by side rather than from a single lender. Rates start at 1.49% to 18.01%, and the representative example puts the annual cost at 64.4% once IOF is added.

Key facts

Best for
Comparing Brazilian personal loan offers with no arrangement fee charged to the customer.
APR
1.49% to 18.01%↗
Loan amount
R$500 to R$35,000↗
Term
6 to 24 months↗
Arrangement fee
R$ 0 (free to the customer; partner rates are included in the installments)↗
Credit check
Soft prequal↗
Funding time
Money in your account within 24 business hours after credit approval↗
Representative example
R$ 5,000 over 12 months at 2.9% a.m., CET 64.4% a.a.; installments of R$ 500.44; total amount including IOF R$ 6,005.28↗
Lender type
Broker↗
Eligibility
Be over 18, hold a bank account (salary accounts not accepted), and show proof of income such as payslip, bank statement, tax return or pro-labore↗
Loan types
Personal, Debt-consolidation, Secured, Business↗
Credit needed
Poor↗
Legal entity
FinanZero Brasil Servicos Online Ltda. (CNPJ/MF 23.722.194/0001-34)↗
Headquarters
Brazil↗
Founded
2016↗
Support channels
Email, Phone, Help-centre↗
Pricing model
No annual fee
Official website
finanzero.com.br

Credit cards

Annual fee
R$0↗
Perks
No annual fee, No issuance fee, Flexible instalments, 100% online application, Free card comparison service↗
Card kind
Credit↗
Audience
Business

Mortgages

Initial rate
1.49% to 18.01%↗
APRC
64.4%↗
Fixed period
0.5 to 3 years↗
Product fee
R$0↗
Purpose
Purchase, Remortgage, Home-equity↗

Personal insurance

Premium from
R$0↗
Insurance types
Auto↗
Provider type
Broker↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Personal loans carry an arrangement fee of BRL 0 to the customer, with partner rates folded into the instalments
  • A soft prequalification check (soft prequal) comes before any full credit application
  • Support runs on email, phone and help centre, and money lands in your account soon after credit approval
  • The catalogue covers personal, debt consolidation, secured and business borrowing, aimed at business customers (business)

Cons

  • The representative example shows an annual cost of 64.4% once IOF is added, which is steep for the instalments quoted
  • Applicants must hold a bank account and show a payslip, bank statement, tax return or pro-labore
  • Each partner lender sets its own price, so 1.49% to 18.01% is a guide rather than a promise
FinanZero

Ready to try FinanZero?

Scored 9.0 / 10 by SumCue.

See alternatives

Who it suits

  • Brazilian adults with a bank account who can show a payslip, bank statement, tax return or pro-labore
  • Borrowers consolidating debt or covering a purchase, a remortgage or home equity
  • Business borrowers, since the service is aimed at business customers (business)

Who should look elsewhere

  • Cashspace, which quotes APR of PHP 12 to PHP 36 and serves a different market
  • Creduma ES, which starts loans at from €12,000 outside Brazil
  • Sofkredit, with APR of 10.74% to 18.06% outside Brazil

Deposit protection

FinanZero acts as a broker (broker), so the money comes from a partner lender rather than from the platform itself, and the operating entity is registered in Brazil under the regulator Banco Central do Brasil. The representative example is the useful check: a low monthly rate there becomes a far larger total once IOF is added, which is why the annual rate matters more than the instalment.

How FinanZero compares

Where FinanZero is available

Available
Brazil
Licence in Brazil
Banco Central do Brasil, checked September 26, 2026

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

Frequently asked questions

Does FinanZero charge a fee for arranging a loan?+

No arrangement fee is charged to the customer, and the product fee on personal loans is BRL 0. The partner rate is included in the instalments you repay, so the cost of credit still shows up in what you pay each month.

What rate will I pay on a personal loan?+

Rates start at 1.49% to 18.01% and the annual percentage rate runs 1.49% to 18.01%. The representative example puts the annual cost at 64.4% once IOF is added, so a low monthly rate can still mean a high total to repay.

How much can I borrow and over what term?+

Personal loans run BRL 500 to BRL 35,000 with terms of 6 to 24. The catalogue also covers debt consolidation, secured and business borrowing, so the same application can cover a purchase, a remortgage or home equity.

How fast is the money, and what credit check is used?+

Money reaches your account soon after credit approval, and the first look uses a soft prequalification check (soft prequal), which is gentler than a full credit application. A full check still applies once you go ahead.

Who is eligible to apply?+

You must be an adult, hold a bank account and show proof of income such as a payslip, bank statement, tax return or pro-labore. Salary accounts do not qualify, and the credit profile you need is poor (poor).

Is FinanZero a lender or a broker?+

FinanZero is a broker (broker), so offers come from partner lenders rather than from the platform itself. The operating company is a Brazilian limited company and the named regulator is Banco Central do Brasil.

What support is offered, and what else does the site cover?+

Support runs on email, phone and help centre, and the company was founded in 2016. The same site compares car insurance, where it acts as a broker, with premiums from BRL 0 for auto cover (auto).

Can I get a credit card through FinanZero?+

There is a free card comparison service with a no annual fee model. The annual fee is BRL 0, the cards are credit cards, and listed perks include flexible instalments and a fully online application (no annual fee, no issuance fee and flexible instalments).

Sources

  • finanzero.com.br checked September 26, 2026

    Backs: APR, APRC, Fixed period, Founded, Headquarters, Initial rate, Legal entity, Lender type, Loan types, Purpose, Representative example, Licences

    “The interest rate offered by partner lenders varies from 1.49% a.m. to 18.01% a.m.”

  • finanzero.com.br/ajuda checked September 26, 2026

    Backs: Support channels

    “Send an e-mail to atendimento@finanzero.com.br, phone 0800 607-3001, Monday to Friday 9h to 18h; help centre at /ajuda/”

  • finanzero.com.br/cartao-credito checked September 26, 2026

    Backs: Annual fee, Card kind, Pricing model, Perks

  • finanzero.com.br/categoria-ajuda/emprestimo-pessoal checked September 26, 2026

    Backs: Eligibility, Term

    “To request a personal loan there are three requirements: be over 18 years old; have a bank account, all accounts are valid except the salary account; present proof of income”

  • finanzero.com.br/emprestimo-pessoal checked September 26, 2026

    Backs: Loan amount, Credit check, Credit needed, Funding time, Arrangement fee, Product fee

    “Personal loan online: select the desired amount, from R$500 up to R$35 thousand”

  • finanzero.com.br/seguro-automovel checked September 26, 2026

    Backs: Provider type, Insurance types, Premium from

    “SEGUROS - Seguro de Automovel”

  • finanzero.com.br/sobre-nos checked September 26, 2026

    Backs: Audience

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

FinanZero

FinanZero

Comparing Brazilian personal loan offers with no arrangement fee charged to the customer.

9.0/10See alternatives