EscolhaCred: Crédito Pessoal

CHOOSE WITH MORE CONTEXT

EscolhaCred organizes personal loan options available in Brazil so you can analyze the information before deciding. In a single flow, you can check amounts, terms, interest rates, Total Effective Cost (TEC), installments, and estimated total to be paid.

HOW THE PLATFORM WORKS

1. Register using your mobile phone number.

2. Fill in the necessary information for the consultation.

3. View the options offered by external financial providers.

4. Compare the conditions presented in each offer.

5. Choose an alternative and continue the process in the environment indicated by the provider.

Available options
The comparison may include products from the following institutions:

• Nubank — Personal loan
• PicPay — Personal credit
• Mercado Pago — Digital credit
Credit availability depends on the criteria, analysis, and conditions established by each institution.

ESCOLHACRED'S ROLE

EscolhaCred is a comparison and intermediation platform. This platform does not grant credit, approve applications, define final conditions, or make disbursements. Credit analysis, approval, contracting, payment, and customer service related to the contract are the sole responsibility of the chosen provider.

The platform does not charge for using the comparison tool and does not request deposits or advance payments to release credit. Before contracting, the provider must inform about interest rates, IOF (Brazilian tax on financial transactions), fees, CET (Total Effective Cost), and other applicable costs.

GENERAL OFFER CONDITIONS

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

• Payment term: from 91 days to 24 months.

• Interest rate: from 1.5% to 22% per month.

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

• Minimum age: 18 years.

• Disbursement: to a Brazilian bank account or via Pix, subject to provider approval.

Terms and conditions vary depending on the provider, applicant profile, and credit analysis. Final amounts, including the CET (Total Effective Cost), will be displayed before contracting.

REPRESENTATIVE EXAMPLE

For a loan of R$ 1,000.00, with a term of 6 months and an interest rate of 1.5% per month:

• 6 estimated installments of R$ 177.83;

• Equivalent annual rate of 19.56%;

• Estimated CET of 24.92% per year;

• Estimated cost of the loan of R$ 66.98;

• Estimated total to be paid of R$ 1,066.98.

This example is for informational purposes only and does not represent an offer or guarantee of approval. The selected provider will present the final amounts before contracting.

PRIVACY AND SECURITY

Data is processed in accordance with EscolhaCred's Privacy Policy and the General Data Protection Law (LGPD). The information necessary to complete a request should only be shared with the chosen provider, according to the stated purposes.

RESPONSIBLE CREDIT

Before contracting, check the term, rate, CET (Total Effective Cost), installment amount, and total to be paid. Request only an amount compatible with your budget. Delays may generate interest, fines, and other consequences stipulated in the contract.

SUPPORT

For questions or requests related to EscolhaCred, use the support email provided on this Google Play page.

EscolhaCred. Organized information for a more informed decision.