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Juvo review

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

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Our verdict

Juvo is a Brazilian broker that lends against your phone rather than your payslip, and it suits borrowers with thin credit files or an existing default. Loans run BRL 700 to BRL 4,500 over 9 to 12 at a fixed rate, and early repayment is free.

Key facts

Best for
Small short-term loans in Brazil, secured on a mobile phone, for borrowers with weak credit files.
Loan amount
R$700 to R$4,500↗
Term
9 to 12 months↗
Arrangement fee
Registration fee (tarifa de cadastro) of up to R$ 699.00, charged in addition to interest and IOF tax↗
Credit check
Hard↗
Funding time
Money in your account from 15:00 the next business day after signing the contract (next business day if tomorrow is a weekend or bank holiday)↗
Representative example
R$ 1,700.00 loan over 9 months at 1.99% per month: monthly instalments of R$ 380.98 (phone collateral worth at least R$ 2,000.00)↗
Rate type
Fixed↗
Lender type
Broker↗
Free early repayment
Yes↗
Eligibility
Over 18 years old, valid CPF, an active bank account (checking or savings) in your own name, an active email, and a mobile phone offered as collateral; no proof of income required and borrowers may be in default↗
Loan types
Personal, Secured, Debt-consolidation↗
Credit needed
Poor↗
Legal entity
Juvo Brasil Tecnologia Ltda↗
Headquarters
Brazil↗
Founded
2014↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Official website
juvo.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • No proof of income is required, and people already in default can still apply.
  • Free early repayment, so clearing the balance sooner costs nothing extra.
  • Loans of BRL 700 to BRL 4,500 over 9 to 12 at a fixed rate, with money in the account the next business day after signing.

Cons

  • The arrangement fee is charged on top of the interest and IOF tax, so a small loan carries an extra upfront cost.
  • Every application goes through a hard credit check.
  • Terms are limited to 9 to 12 and the phone is pledged as security, so the window to repay is short.
Juvo

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Brazilian adults with a bank account in their own name, an active CPF and a phone they can pledge.
  • Borrowers with thin credit files, including people already in default, since no income proof is asked for.
  • Anyone after a small short-term loan, with money in the account the next business day after signing.

Who should look elsewhere

  • Borrowers after more: PHP 500 to PHP 25,000 sits well above what Juvo lends.
  • Anyone borrowing in euros in Spain: Creduma ES has a floor of from €12,000.
  • Those wanting a larger secured loan without a phone pledge: Sofkredit tops out at €12,000 to €300,000.

The company behind it

Juvo is run by Juvo Brasil Tecnologia Ltda, based in Brazil and trading since 2014. Its licence listing names the Banco Central do Brasil in Brazil, with the registration recorded as 03.881.423/0001-56. Customer help runs on email, phone and help centre.

How Juvo compares

Where Juvo is available

Available
Brazil
Licence in Brazil
Banco Central do Brasil (03.881.423/0001-56), checked September 26, 2026

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

Frequently asked questions

What does a Juvo loan cost?+

Interest is charged at a fixed rate, and a registration fee sits on top of the interest and the IOF tax. The published example shows the sum repaid in equal monthly instalments, so the monthly rate is the figure to check before signing.

Which regulator licenses Juvo?+

The licence listing names the Banco Central do Brasil in Brazil, with the registration shown as 03.881.423/0001-56. Juvo operates as a broker, so the application is passed to a lender that funds the loan, and the contract you sign carries that lender's terms and charges.

Who can apply and what has to be pledged?+

Applicants need to be adults with a valid CPF, an active bank account in their own name, an active email and a mobile phone offered as security. No proof of income is required and people already in default can still apply. Amounts run BRL 700 to BRL 4,500 on a fixed rate.

How much can I borrow and for how long?+

Loan amounts run BRL 700 to BRL 4,500 with terms of 9 to 12 on a fixed rate basis. The published example has the phone pledged as security worth more than the sum borrowed, so the device carries the value in the deal.

How quickly does the money arrive?+

Money reaches the account the next business day after the contract is signed, from mid-afternoon onward. If the day after signing is a weekend or a bank holiday, payment moves to the following business day instead. With terms of 9 to 12, the payout date sets the start of a short schedule.

What credit check does Juvo run?+

Applications go through a hard credit check, and the target credit profile is poor, so the lender is built around thin files rather than strong ones. That is also why no proof of income is asked for.

How do I get help from Juvo?+

Support runs on email, phone and help centre, so help is available remotely by email, by phone and through a help centre. Eligibility questions, fee questions and payout timing can all go to the same channels, and the operation has been running since 2014.

How risky is pledging a phone?+

The phone is the security on the loan, so it is what the lender looks to if payments stop. For context, the retail loss rate across the lenders listed here runs at 70.15%, and early repayment is free if money comes in sooner.

Sources

  • juvo.com/about-us checked September 26, 2026

    Backs: Founded

    “2014 Juvo is founded to bring billions of people into the formal economy”

  • juvocredito.com.br checked September 26, 2026

    Backs: Loan types, Representative example, Licences

  • juvocredito.com.br/duvidas.html checked September 26, 2026

    Backs: Loan amount, Credit check, Credit needed, Eligibility, Free early repayment, Funding time, Pricing model, Arrangement fee, Rate type, Support channels, Term

    “you can take out between R$ 700.00 and R$ 4,500.00 for the personal loan with your phone as collateral”

  • juvocredito.com.br/termos-de-uso.html checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type

    “JUVO BRASIL TECNOLOGIA LTDA, head office at Av. das Nacoes Unidas, 14261, 7th floor, Vila Gertrudes, Sao Paulo - SP, 04794-000, our current office in Brazil”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR.

Juvo

Juvo

Small short-term loans in Brazil, secured on a mobile phone, for borrowers with weak credit files.

8.9/10See alternatives