Juvo review

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

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Our verdict

Juvo suits Brazilian borrowers in default who need a small, short personal loan and can offer a phone as security.

Key facts

Best for
Small short term borrowing secured on a phone, with poor credit and a bank account in your own name.
Loan amount
R$700 to R$4,500 (Source, checked September 26, 2026)
Term
9 to 12 months (Source, checked September 26, 2026)
Arrangement fee
Registration fee (tarifa de cadastro) of up to R$ 699.00, charged in addition to interest and IOF tax (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
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) (Source, checked September 26, 2026)
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) (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
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 (Source, checked September 26, 2026)
Loan types
Personal, Secured, Debt-consolidation (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Juvo Brasil Tecnologia Ltda (Source, checked September 26, 2026)
Headquarters
Brazil (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
juvo.com

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Lends to borrowers in default with no proof of income needed, aimed at poor credit (poor)
  • Fixed rate borrowing with free early repayment
  • Money lands in your account by the next business day after signing the contract
  • Support runs on email, phone and help centre

Cons

  • A hard credit search runs on the application (hard), and a hard search is common for 76.5% of personal loans
  • A registration fee is charged on top of interest and IOF tax, alongside a broker arrangement
  • Terms are short at 9 to 12, so larger balances are not an option
Juvo

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Adults with poor credit who are already in default and need money quickly
  • Anyone willing to put an active mobile phone up as security
  • Borrowers with an active bank account in their own name and a valid CPF

Who should look elsewhere

  • Borrowers who cannot risk a hard credit search on their file
  • Anyone who cannot offer a mobile phone as security
  • People wanting a long repayment period, since terms stop at 9 to 12

How your money is protected

Juvo works as a broker, so the loan is arranged with third parties rather than handed over by Juvo itself, and the arrangement is registered with the Banco Central do Brasil under 03.881.423/0001-56. The representative example it publishes shows a modest sum repaid over a short term in monthly instalments, with a phone of a stated minimum value taken as security.

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

How much can I borrow from Juvo?+

Loans run from BRL 700 to BRL 4,500. That range suits a short, urgent expense rather than a large purchase or a debt consolidation plan. Anything above the top of that range needs a different provider. You also need a mobile phone to offer as security.

What does a Juvo loan cost me?+

Interest is fixed, set on a fixed rate basis. On top of interest there is a registration fee, charged in addition to interest and IOF tax. The representative example Juvo publishes shows a small sum borrowed over a short term, repaid in monthly instalments, with a phone of a stated minimum value offered as security.

Will I be accepted with bad credit?+

Juvo targets poor credit, with poor as the credit it expects. Borrowers may be in default with other lenders, and no proof of income is required. Eligibility rests on a valid CPF, an active bank account in your own name, an active email and a mobile phone offered as security.

Does Juvo run a credit check?+

The application uses a hard credit search, so a decision is made on a full check rather than a soft search. Borrowers should expect that search to be recorded on their file, which matters if other applications are in progress at the same time.

Is Juvo regulated in Brazil?+

Juvo appears on the register of the Banco Central do Brasil under 03.881.423/0001-56. As a broker it arranges the facility with third parties rather than lending the money itself, which is worth weighing against a direct lender.

How quickly will I get the money?+

Funds reach your account in the afternoon of the next business day after you sign the contract. If the following day falls on a weekend or bank holiday, the money arrives the next business day instead. You need an active bank account in your own name for the payment to land.

Can I repay the loan early?+

Early repayment is free, so clearing the balance before the end of the term carries no extra charge from Juvo. The rate is fixed, which keeps the instalments the same across the term. Repaying sooner reduces the total amount of interest you pay.

What types of loan does Juvo offer?+

Juvo covers personal, secured and debt consolidation. Given the range of BRL 700 to BRL 4,500 and terms of 9 to 12, these are short personal facilities, and a secured loan is the practical route since a phone is taken as security.

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 borrowing secured on a phone, with poor credit and a bank account in your own name.

8.8/10See alternatives

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