Facio
Consumer credit service in Brazil for users to sign up, analyze, choose, and receive funds
Facio is a consumer credit service in Brazil that guides users through registration, credit analysis, loan selection, and disbursement to a bank account. Income can be identified directly from the user's bank account, so a fixed salary is not required. Rates, terms, and total cost are shown in a simulator before contracting, and repayment is made in a single installment on a date chosen by the user, with earlier payment reducing cost.
The service operates as a mobile app with a help center and WhatsApp support. Facio acts as a banking correspondent contracted by QI Tech Sociedade de Crédito Direto S.A., handling user service to enable account opening and issuance of Bank Credit Certificates (CCB); fees, terms, and total effective cost vary by product and customer profile. The pages do not state a free plan, trial, or specific editions.
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