Creditas review

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

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Our verdict

Creditas is a Brazilian direct lender built around one product: a home equity loan secured on your property, with no upfront or origination fee. It suits Brazilian homeowners planning renovation work who can wait for the guarantee registration before money lands.

Key facts

Best for
Property-backed home improvement borrowing in Brazil at no arrangement fee.
APR
12.5% (Source, checked September 26, 2026)
Loan amount
R$50,000 to R$3,000,000 (Source, checked September 26, 2026)
Term
60 to 240 months (Source, checked September 26, 2026)
Arrangement fee
0 BRL - no upfront or origination fee; only IOF, interest, notary costs and annual TC apply (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
4 business days after the guarantee registration is validated in the property registry (Source, checked September 26, 2026)
Representative example
Home Equity Creditas: CET of 12.50% per year for R$ 100,000 over 240 months (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
18 or older and resident in Brazil (Source, checked September 26, 2026)
Loan types
Secured, Personal, Car, Debt-consolidation (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Creditas Solucoes Financeiras Ltda. (Source, checked September 26, 2026)
Headquarters
Brazil (Source, checked September 26, 2026)
Founded
2012 (Source, checked September 26, 2026)
Support channels
Phone (Source, checked September 26, 2026)
Official website
creditas.com

Mortgages

Initial rate
1.09% (Source, checked September 26, 2026)
APRC
12.5% (Source, checked September 26, 2026)
Fixed period
5 to 20 years (Source, checked September 26, 2026)
Maximum loan to value
60% (Source, checked September 26, 2026)
Product fee
R$0 (Source, checked September 26, 2026)
Purpose
Home-equity (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Creditas Solucoes Financeiras Ltda. (Source, checked September 26, 2026)
Headquarters
Brazil (Source, checked September 26, 2026)
Founded
2012 (Source, checked September 26, 2026)
Support channels
Phone (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
LinkedInX

Pros and cons

Pros

  • No upfront or origination fee on the home equity product: only IOF, interest, notary costs and annual TC apply
  • Direct lender, so direct lender means you deal with Creditas rather than a broker
  • Long borrowing window of 60 to 240 to spread renovation cost
  • Phone support available on phone

Cons

  • Variable rate: variable pricing means 12.5% is not the whole story over 60 to 240
  • Borrowing capped at 60% of property value, well below what some secured lenders allow
  • Hard credit search on hard, which leaves a full file trace
Creditas

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Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Brazilian residents who own the property being pledged and want to fund renovation
  • Borrowers who want no arrangement fee and can cover tax and notary costs
  • People planning a longer renovation project rather than an urgent one

Who should look elsewhere

  • Borrowers who need cash the same day, since funding follows registry validation
  • Anyone without property to secure the loan against
  • Readers wanting a fixed rate, as this product is variable

How Creditas compares

Where Creditas is available

Available
Brazil

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

Frequently asked questions

What does a Creditas home equity loan cost?+

There is no upfront or origination fee, so the arrangement fee is free; you pay IOF tax, interest, notary costs and an annual TC charge instead. The stated rate is 12.5% a year, and the representative example is CET of 12.5% per year.

How much can I borrow and for how long?+

Borrowing runs BRL 50,000 to BRL 3,000,000 in Brazilian reais, and the term runs 60 to 240, which is a long window for renovation work. What you can raise is also limited by the property, since the loan is capped at 60% of its value.

Is the interest rate fixed or variable?+

It is a variable rate, so 12.5% is the starting point rather than a guaranteed ceiling for the whole period. Over a term of 60 to 240 the rate can move, which is the main thing to weigh against a fixed deal.

How long does the money take to arrive?+

Funding lands after the guarantee registration has been validated in the property registry, a waiting period of several business days once the property side is done. That makes it a planned project rather than an urgent cash need.

What credit check does Creditas run?+

It runs a hard credit check, which is recorded against your file. Since the loan is secured on the property rather than purely on your credit history, the search is not the only factor in the decision.

Who can apply for a Creditas home equity loan?+

Applicants must be adults and resident in Brazil, and the property has to be the one being pledged as guarantee. The lender writes as Creditas Solucoes Financeiras Ltda., a Brazilian direct lender rather than a broker.

Can I repay the loan early?+

The terms described here run 60 to 240 with a variable rate, and the interest is charged on the outstanding balance, so paying down sooner reduces the total cost. Ask about early settlement terms before you sign, as the stated figures do not cover them.

How do I get help if something goes wrong?+

Support is available by phone, which matters when a property registration needs chasing. The lender is a direct one, so the same team handles the application and the case rather than passing it to a middleman.

Sources

  • creditas.com checked September 26, 2026

    Backs: Founded, Headquarters, 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)”

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Creditas

Creditas

Property-backed home improvement borrowing in Brazil at no arrangement fee.

8.9/10See alternatives

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