Creditas

Creditas is a Brazilian digital lending fintech founded in 2012 and headquartered in Sao Paulo, operating in Brazil and Mexico. It provides secured consumer credit - loans backed by real estate (home equity) and vehicles, plus private payroll (consignado privado) loans - alongside auto insurance, multi-bank real estate and vehicle financing, and a corporate benefits platform (salary advance, flexible-benefits cards, and financial education). Regulated by the Banco Central do Brasil, Creditas has originated over R$12 billion in credit. It is backed by QED Investors and the SoftBank Vision Fund. No public developer API program or OpenAPI has been identified; this profile captures the company public identity, its published llms.txt, and its domain security posture.

Creditas is profiled on the APIs.io network. Tagged areas include Company, Credit, Fintech, Lending, and Brazil.

Creditas’ developer surface includes engineering blog, support, and 7 more developer resources.

🌐 Visit website 📡 Source on GitHub

15.6/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyCreditFintechLendingBrazilInsuranceFinancial ServicesPayroll Loans

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 15.6/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 1.3 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 0.7 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/creditas: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

About

About

Blog

Blog

Source (apis.yml)

aid: creditas
name: Creditas
description: Creditas is a Brazilian digital lending fintech founded in 2012 and headquartered in Sao Paulo, operating in
  Brazil and Mexico. It provides secured consumer credit - loans backed by real estate (home equity) and vehicles, plus private
  payroll (consignado privado) loans - alongside auto insurance, multi-bank real estate and vehicle financing, and a corporate
  benefits platform (salary advance, flexible-benefits cards, and financial education). Regulated by the Banco Central do
  Brasil, Creditas has originated over R$12 billion in credit. It is backed by QED Investors and the SoftBank Vision Fund.
  No public developer API program or OpenAPI has been identified; this profile captures the company public identity, its published
  llms.txt, and its domain security posture.
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://images.ctfassets.net/n3x4bsh5l2so/1HmeS6eXTudm2vvxDAxGBt/6c5a15b384c9bcacb7f14c9447aec8f7/creditas-garantia-proximo-passo.jpg
url: https://raw.githubusercontent.com/api-evangelist/creditas/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- qed-investors
- softbank-vision-fund
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Credit
- Fintech
- Lending
- Brazil
- Insurance
- Financial Services
- Payroll Loans
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/creditas-domain-security.yml
- type: Website
  url: https://www.creditas.com
- type: About
  url: https://www.creditas.com/quem-somos
- type: Blog
  url: https://www.creditas.com/exponencial/
- type: Support
  url: https://www.creditas.com/canais-de-atendimento
- type: TermsOfService
  url: https://www.creditas.com/legal/termos-condicoes
- type: PrivacyPolicy
  url: https://www.creditas.com/legal/politica-privacidade
- type: GitHubOrganization
  url: https://github.com/Creditas
- type: LLMsTxt
  url: llms/creditas-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence