CredMosaico

CREDMOSAICO
Compare before you choose.

CredMosaico gathers information on personal loan options available in Brazil. You can check amounts, terms, interest rates, installments, Total Effective Cost (TEC), and estimated total before making a decision.

OPTIONS PRESENTED

The comparison may include products from the following institutions:

• Nubank — personal loan
• PicPay — personal credit
• Mercado Pago — digital credit

Availability depends on the criteria, analysis, and conditions defined by each institution.

OUR ROLE

CredMosaico is an intermediary platform for consultation and comparison. It does not lend money directly, does not approve applications, does not define final conditions, and does not make disbursements.

The analysis, approval, contracting, and release of the amount are the sole responsibility of the chosen institution.

CredMosaico does not charge for the comparison service and does not request deposits, fees, or advance payments to release credit.

GENERAL CONDITIONS

• Amount: from R$ 250.00 to R$ 8,000.00.

• Term: from 91 days to 24 months.

• Monthly rate: from 1.5% to 22%.

• Maximum annual rate: up to 987.22% per year.

• Minimum age: 18 years.

• Payment method: Brazilian bank account or Pix, subject to approval.

Conditions vary according to the institution, the applicant's profile, and the result of the credit assessment.

Before contracting, the institution must inform about interest rates, IOF (tax on financial transactions), fees, CET (total effective cost), number and value of installments, and total amount to be paid.

REPRESENTATIVE EXAMPLE

For a loan of R$ 1,000.00 with a 6-month term:

• 6 installments of R$ 177.83
• Monthly rate: 1.5%
• Annual rate: 19.56%
• Annual CET (Total Effective Cost): 24.92%
• Estimated cost: R$ 66.98
• Estimated total to pay: R$ 1,066.98

This example is for informational purposes only and does not represent an offer or guarantee of approval. Final amounts will be presented by the institution before contracting.

HOW TO USE

1. Register with your mobile phone number.

2. Fill in the requested information.

3. View the available options.

4. Compare value, term, interest, CET, installments, and total.

5. Choose an option and continue in the responsible institution's environment.

PRIVACY

CredMosaico processes personal data in accordance with its Privacy Policy and the General Data Protection Law (LGPD).

The information necessary to continue the application will only be shared with the chosen institution, according to the stated purposes. Please also consult the institution's terms and privacy policy.

RESPONSIBLE CREDIT

Before contracting, check rates, CET (Total Effective Cost), installments, term, additional costs, and total to pay. Only request an amount compatible with your income. Delays may generate interest, fines, and other consequences stipulated in the contract.

CONTACT

For questions or requests about CredMosaico, use the email published on this Google Play page.

CREDMOSAICO
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