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Individuals lending to people, easy like this. Shared means innovation, technology and transparency for you personally

Individuals lending to people, easy like this. Shared means innovation, technology and transparency for you personally

A year and the loan has the best rates through mutual investors profit as a bank with a return of up to 400% of CDI.

Shared means innovation, transparency and technology for your needs

Innovation in personal loans

As a Fintech, Mutual brings a brand new means of linking people who need cash to those that seek to benefit as being a bank.

Technology on your side

Our platform enables more folks to possess access that is easy the credit market, with a careful assessment, totally online and without bureaucracy.

Your need is our need

All of us is often prepared to direct you towards the way that is best feasible. Our experts allow you to reach finally your objectives in a secure and clear method.

+ 600.000 users

Through Mutual you are able to submit an application for loans without red tape or commit in a way that is flexible.

+ 9.000 loans

The majority are ready to provide money with fast approval.

+ 21 million reais invested

Your investment might have a return all the way to 400per cent of CDI per year


Investors and borrowers speaking about their experiences with shared

I spent on Mutual. The software is secure and reliable. They keep their term and pay perfectly! (. )”

Pretty helpful. The amount of money would go to the financial institution account prior to when expected. And so they nevertheless call to ensure in the event that cash is actually in your account. We really enjoyed both the eye they offer as well as the love with all the consumer.”

not long ago i joined Mutual being an investor, and whenever i’ve concerns I am answered by them at the earliest opportunity. I’ve absolutely absolutely nothing negative to express. The theory is great (. )”

These are typically those who reveal an interest that is real satisfying your need”

exemplary value idea for borrowers and investors.”

Rogerio S.

I want to thank Mutual. I made the mortgage application on 03/11/2018 and i received the approval of my loan the amount is already in my bank account today. Congratulations in the good task and transparency. We m planning to honor my dedication.”

what’s the investment guarantee? Can there be insurance coverage if the borrower will not spend?

There’s absolutely no insurance coverage. In Mutual the investor is nearly just like a bank. It is possible to, with an intention price as much as 400per cent of CDI a have the opportunity to analyze the borrower’s credit information (the score and risk of the operation) and invest based on that information year.

In the event that debtor doesn’t spend the mortgage, Mutual does the collection that is entire to recover the main amount plus fines to be belated. We make use of collection that is proprietary for immediately notifying the debtor associated with deadline, plus the consequences to be belated with their re re payment through different means such as for instance phone, whatsapp, SMS and e-mail. Alongside this system that is automated we’ve a group of devoted collection professionals attempting to recover any belated re re payments. We also sign up the mortgage standard during the Brazilian credit that is national, steering clear of the borrower from using other loans.

In situations of delinquency more than ninety days, Mutual has a appropriate group prepared to enter because of the judicial collection with respect to the investor.

we ve defaulted for a loan that is recent am I able to request one at Mutual?

After approving my registration as debtor, just exactly just how soon will the amount of money head to my banking account?

As soon as your enrollment is authorized, you’ll make an application for that loan inside the limit that is pre-approved your account, which is accessible to subscribed investors within our software. If you should be accepted by an investor, our financier will assess the loan and also at this minute it may be approved or perhaps not. If authorized, the amount of money will take your bank account within 4 business days!

* After being published, the mortgage is active for 15 times on our platform. In case your demand is certainly not accepted by the investor during this time period, the demand will expire through the platform and you may make an innovative new demand :)

Is Mutual subject to virtually any legislation?

Needless to say! Our company is a banking correspondent therefore we have an on-line platform that facilitates the access of customers to products and services made available from partner institution that is financial. The experience of correspondent banking is controlled because of the Central Bank of Brazil, in line with the Resolution No. 3,954, of February payday loans UT 24th, 2011.

It’s important to declare that Fintechs must conform to the rules applicable to many other banking institutions, like the money application and cash laundering avoidance guidelines.

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