Neon review

Updated September 28, 2026 · BorrowCue 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.

Our verdict

Neon suits Brazilian account holders who already bank with the app and want a small home improvement loan settled quickly. It lends directly, and same day funding is listed, though the BRL 500 to BRL 15,000 ceiling and the eligibility rule on individual borrowers limit who can use it.

Key facts

Best for
Existing Neon account holders funding a home improvement from a small personal loan.
Loan amount
R$500 to R$15,000 (Source, checked September 26, 2026)
Term
6 to 24 months (Source, checked September 26, 2026)
Arrangement fee
Cadastro para inicio de relacionamento, max R$ 749.90, charged only on the first loan product contracted (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Money lands in the account within 48 hours of approval; analysis returned in up to 1 business day (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Must hold a Neon account; Brazilian CPF, ID and proof of address are collected at account opening; loans are individual (pessoa fisica) only, with no INSS-backed loan for pensioners (Source, checked September 26, 2026)
Loan types
Personal, Credit-line (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Neon Pagamentos S.A. (CNPJ 20.855.875/0001-82); personal loans issued by Neon Financeira SCFI S.A. (CNPJ 11.285.104/0001-06) (Source, checked September 26, 2026)
Headquarters
Brazil (Source, checked September 26, 2026)
Founded
2016 (Source, checked September 26, 2026)
Support channels
Help-centre, Chat, Email, Community, Phone (Source, checked September 26, 2026)
Features
Same-day funding
Official website
neon.com.br

Apps and profiles

Get the app
App Store
Elsewhere
LinkedIn

Pros and cons

Pros

  • Money reaches the account quickly, with analysis returned in up to one business day and settlement inside a couple of days
  • Only a relationship registration charge, capped and levied on the first loan product taken
  • Runs personal and credit line, so a personal loan and a revolving credit line sit in the same place
  • Support covers help centre, chat and email, including phone

Cons

  • The loan is issued by a separate finance company inside the group, while the current account is run by the payments company
  • The BRL 500 to BRL 15,000 ceiling caps borrowing below a larger renovation
  • Repaying over 6 to 24 leaves a far shorter window than the 48 typical personal loan term on the site
Neon

Ready to try Neon?

Scored 8.9 / 10 by BorrowCue.

See alternatives

Who it suits

  • Neon customers in Brazil who want the loan and the current account in one place
  • Borrowers covering a home improvement rather than consolidating debt
  • Lenders comfortable with a hard credit check and a short repayment window

Who should look elsewhere

  • Pensioners, since the INSS-backed loan is not offered
  • Borrowers needing a large renovation sum beyond the BRL 500 to BRL 15,000 ceiling
  • Anyone outside Brazil, where BR places the company

The company behind it

Neon is a Brazilian financial group founded in 2016 and headquartered in Brazil. Two entities appear: Neon Pagamentos S.A. runs the payments side, and personal loans come from Neon Financeira SCFI S.A. It lends directly rather than broketing, and answers come through help centre, chat and email, with phone, chat and email all listed.

How Neon compares

Where Neon 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

How much can I borrow from Neon?+

Personal loans run from BRL 500 to BRL 15,000, with terms set by 6 to 24. That range suits a single room or a set of fittings rather than a whole renovation. Borrowing beyond the ceiling means looking at another lender, since the cap is set by the credit company rather than by the app.

Is there an arrangement fee?+

There is a relationship registration charge, capped at a set maximum, and it applies only to the first loan product you take with Neon. Later loan products carry no such charge. Interest on the loan itself is separate from that registration cost.

How long does the money take to arrive?+

Analysis is returned in up to one business day once you apply, and the funds land in your Neon account shortly after approval. same day funding is listed for the product, so the wait is measured in days rather than weeks. Applying with the account already open keeps it short.

What credit check does Neon run?+

The application uses hard, so a decision rests on a full check of your file rather than a soft search. poor means the product is aimed at borrowers with a thinner credit history. Approach it knowing the check itself is recorded.

Who can apply?+

You must already hold a Neon account, and a Brazilian CPF, identity document and proof of address are collected when that account opens. Loans are individual only. Pensioners are excluded from the INSS-backed product, so that route is closed.

Is the money protected?+

The lending sits with a finance company regulated by the Banco Central do Brasil, which is the body those names appear against. Deposits sit with the payments side of the group. Check which entity holds the loan before treating the balance as covered.

What can I use the loan for?+

The stated use is home improvement, so a personal loan here is aimed at improving a property. It is not a debt consolidation product, and the range is small enough for materials and labour rather than major structural work.

How do I get help with the loan?+

Support runs on help centre, chat and email, covering phone, chat, email, a help centre and a community. The loan is arranged inside the same account as everyday banking, so questions about the loan and the account go to the same place.

Sources

  • neon.com.br checked September 26, 2026

    Backs: Headquarters, Legal entity, Licences

    “Avenida Francisco Matarazzo, 1.350, 2o andar, Agua Branca, Sao Paulo - SP”

  • neon.com.br/conheca-a-neon checked September 26, 2026

    Backs: Founded

  • neon.com.br/emprestimos checked September 26, 2026

    Backs: Credit check, Credit needed, Features, Loan types

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

    Backs: Loan amount, Eligibility, Funding time, Lender type, Support channels, Term, Use cases

    “Viajar, casar, estudar, reformar a casa, investir no seu negocio, dentre tantos outros”

  • site.neon.com.br/tarifas checked September 26, 2026

    Backs: Arrangement fee

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Representative example.

Neon

Neon

Existing Neon account holders funding a home improvement from a small personal loan.

8.9/10See alternatives

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 policy
Cookie settings