What is a Private Loan in Brazil Without SCR Verification ?
In Brazil, a private loan without SCR verification is a solution of credit offered by private lenders in Brazil that does not require consultation of the Central Bank’s SCR (Sistema de Crédito do Banco Central do Brasil).
In Brazil, these private loans without SCR consultation are popular among individuals who have a poor credit history, are listed with restrictions, or already have multiple loans registered in the SCR.
What is SCR in Brazil ?
The SCR is a centralized system where all credit operations above R$200 are registered, allowing banks and financial institutions to check a borrower’s credit history, debts, and risk profile.
A loan without SCR verification means the lender does not use this database when deciding whether to approve the application, making it easier for people with debts or negative records to obtain financing.
Is it possible to get a loan without SCR verification in Brazil ?
Yes 👍 it is possible to get a loan without SCR verification in Brazil, but with some important details to understand:
✅ Where such loans exist
- Private lenders / fintechs: Some online platforms and smaller finance companies advertise loans without checking SCR or Serasa/SPC.
- Collateral-based loans: If you offer a car, motorcycle, or property as security, some lenders skip SCR because they rely on the collateral.
- Payroll-deductible loans (consignado): In rare cases, some lenders may approve based on guaranteed salary deduction, not on SCR review.
- Microcredit & informal lenders: Very small loans (empréstimos pessoais rápidos) sometimes skip SCR checks, though they usually charge high interest.
Which private lenders in Brazil give loans without SCR verification ?
Here is an updated list of Brazilian lenders and platforms that may offer loans without necessarily performing a formal check with the SCR (Sistema de Registro de Créditos). In many cases, they rely on alternative evaluation methods or operate in ways that circumvent conventional credit checks:
Crefisa
Offers personal loans—even to individuals with negative records in credit protection agencies—often without requiring consultation of SPC or Serasa. Since SCR is a central registry, not mandatory for all lenders, this flexibility may allow access even without SCR checks.
Brasilcrefisa.com.br
Creditas (Consignado Privado)
Specializes in payroll-deducted loans for private-sector employees. This model allows approval based on income security rather than credit history, which can bypass SCR considerations. Terms include up to R$70,000 on favorable interest rates and fixed deductions from salary.
Creditas
Nexoos
A peer-to-peer lending platform catering to SMEs. It uses alternative risk assessments and AI-based evaluations rather than traditional credit checks, enabling access for borrowers who may not have a conventional SCR profile.