7 platforms for loans via Pix right now

Get your loan via Pix now!

If you need money in your account as soon as possible, the Loan via Pix It's one of the fastest solutions available today. The deposit arrives in minutes, without having to go through that lengthy traditional analysis process. And the best part: some companies are even offering credit to those who have... average score or is negative. Want to know where to find them? Check out the main platforms that offer loans via Pix and how they work.

1# RecargaPay

RecargaPay started as a payment app, but now offers personal loans with disbursement via Pix (Brazil's instant payment system). The process is entirely digital and usually fast. The key difference is that the app prioritizes those who already use their account, recharge their phone, pay bills, and use the virtual card.

The amounts can vary considerably, ranging from small sums to around R$ 2,000 for new users. Those with a good history within the app can obtain higher amounts. Even those with a negative credit history can have a chance, as long as their financial profile shows consistent activity.

2# Crefisa

Crefisa is one of the best-known financial institutions in the country and has a tradition of granting credit to those with a negative credit history. The company performs the analysis quickly, and after approval, the amount can be sent via Pix directly to the client's account.

The values vary according to the profile, but they usually start from R$ 500 and can reach several thousand. The point to note is that the rates may be slightly higher, precisely because they cater to profiles with a higher risk of default.

3# SuperSim

SuperSim is a fintech company that has gained popularity for providing credit even to those with a negative credit history. The process is entirely online, with disbursement via Pix within 24 hours of approval.

Initial values are usually low, between R$ 500 and R$ 2,500, but those who pay on time can increase the limit in future applications. The strong point is the speed and practicality. The weak point: because it serves those with negative credit history, the rates tend to be higher, so it's worth simulating before accepting the contract.

4# NoVerde

NoVerde is a personal loan platform that focuses on offering loans with digital analysis and immediate deposit via Pix. It typically approves amounts up to R$$ 8,000, depending on the client's income and credit history.

Even those with average credit scores can get approved. The company evaluates more than just the CPF (Brazilian individual taxpayer registration number): financial behavior, account activity, and employment history also count. This approach increases the chances for those trying to reorganize their finances.

5# Agibank

Agibank is a digital bank with various credit options. In addition to traditional loans, the bank also offers disbursement via Pix (Brazil's instant payment system) for customers who already have an active account and transactions.

The advantage lies in the possibility of borrowing larger amounts and paying in installments over longer periods, up to 48 months. However, the bank usually requires proof of income and a reasonable credit score, so it may not be the best option for those with a negative credit history.

6# Zema Financeira

Zema Financeira, part of the Zema group, has also jumped on the bandwagon of quick credit with disbursement via Pix. The process can be done entirely online, and the analysis takes only a few hours.

The positive aspect is that the financial institution has a long-standing reputation in the market and usually releases median amounts, between R$1,000 and R$5,000, to those who can prove income. The same caution applies here: verify the total effective cost before signing, as rates may vary depending on your profile.

7# MyEverything

MeuTudo is a platform specializing in digital personal and payroll loans. It also offers disbursements via Pix, primarily for retirees, pensioners, and public employees.

The main difference is that the loan amounts can be higher, reaching R$$ 20,000 in some cases, and the interest rates are lower due to direct payroll deduction. However, for salaried employees or self-employed individuals, personal loans may be lower and subject to more detailed analysis.

Advantages of borrowing via Pix

The main attraction of loans via Pix is... speed. Once the contract is approved, the funds are transferred in real time, 24 hours a day, including weekends.

Another advantage is that simplicityThe entire process is digital, eliminating the need for branches or long lines. Furthermore, many platforms perform the analysis based on alternative data, not just credit scores. This opens doors for those with CPF restrictions (Brazilian tax ID numbers) who maintain consistent activity in their digital accounts.

It's also worth highlighting that Pix has reduced operational costs for financial institutions. Without the need for intermediaries, the release of funds is faster and less bureaucratic. This means that fintechs can serve more people, in less time and with fewer requirements.

Possible values for average and negative scores.

Each institution defines its own limits, but it's possible to get a general idea.

• Average score (400 to 700 points): Values range from R$ 1,000 to R$ 8,000, depending on income.
• Negative results: usually lower limits, from R$ 500 to R$ 2,500, with slightly higher interest rates.
• Good payer (high score): You can get loans from R$ 10,000 to R$ 20,000, with reduced rates and longer payment terms.

In all cases, the Pix release is the key difference — the money arrives in the account within minutes after signing the digital contract.

See also: Car without down payment with approval even for those with negative credit ratings

Published on November 4, 2025