Total transparency
We publish our rate. We publish our terms. We don't hide commissions in appendices no one reads. If something isn't clear, we write you an explanation in plain English.
About us
Credit, explained without detour.
CREDITO SOLIDARIO is a Portuguese peer-to-peer lending platform. A small team, a single rate, a single rule of conduct: nothing opaque.
Our story
We started because a door was closing.
In 2017, two financial consultants with a decade of commercial banking experience made the same observation: consumer credit applications were being refused more and more for statistical reasons, without real human analysis. Good payers with solid projects were being turned away because of a numerical score.
CREDITO SOLIDARIO was created to fill that gap. The idea is simple: connect private individuals seeking financing with private investors willing to lend on clear terms. We handle the review, the legal framework and the follow-up.
Eight years later, we still review each file by hand, one by one. It's slow, it's demanding. It's also what allows us to say yes to projects a machine would have refused.
Our values
Three commitments we do not negotiate.
Human review
Every file is read by a person. Someone who can ask questions, request clarification and decide based on context — not on an automated score. It's slower, and that slowness makes the difference.
Long-term support
A loan doesn't end the day funds are transferred. We remain available for the entire duration of the contract. If your situation changes, we look for a solution before any procedure.
The team
Seven people, one shared goal.
CREDITO SOLIDARIO has seven team members: three credit advisors, two risk analysts, one lawyer and one client relations manager. Everyone speaks Portuguese. Several also speak French, German, English, Italian and Spanish.
Our method
How it works, from first contact to final repayment.
First contact
A request submitted on the site, a phone call or an email. We confirm receipt in less than two business hours and tell you the advisor who follows your file.
File review
We receive your documents, verify, analyse. Your advisor may call you to clarify or better understand the context.
Decision communicated
In under 24 business hours, we tell you the decision. If positive, we send the written proposal with all conditions. You have 14 days to think it over.
Signature and release of funds
After signature, funds are transferred to your account in less than 48 hours. We send you the complete repayment plan, month by month.
The commitment we make
We know that anyone applying for a loan often lives a delicate moment. We work with the care that reality requires.
Contact usA project in mind? Let's talk today.
A credit application starts with a conversation. No commitment, no prior check.