Cosmos Universo Financeiro

Cosmos Universo Financeiro is a financial services company operating in Brazil as a "correspondente bancário" (banking correspondent) under the regulations of the Central Bank of Brazil (Resolution 3.954/11). The company's primary mission is to simplify and broaden access to credit for its clients. It does not act as a direct lender but instead connects individuals seeking credit with a network of partner financial institutions, offering services such as personal loans, vehicle refinancing, home equity loans, and payroll-deducted loans.