"Empréstimos Para Negativados" translates to "Loans for Blacklisted/Negative Individuals" and refers to a segment of the consumer credit market in Brazil. This service targets individuals who are registered in credit protection bureaus like Serasa and SPC. A wide range of entities, from large established banks and financial institutions (e.g., Crefisa, Banco BMG) to smaller fintechs, loan brokers, and unfortunately, fraudulent actors, use this term to market their products. The loans are typically high-interest due to the increased risk associated with the borrower's credit history and often include payroll-deducted loans ("consignado") or personal loans secured by other means.

Founded in

Brazil