Products
Personal Loan
Fast-track your product offering with Personal Loans for your individual customer base. Open Co is Brazil's leader in unsecured credit.
Key Benefits:
- Winning Models: We use a history of over R$ 5.3 billion in origination and a 80-million CPF database to approve more and better.
- Personalized Limit: We evaluate behavioral data, payment capacity and Open Finance to define fair limits and rates for each profile.
- Transparent Experience: The user configures amount, installments and payment date with full rate transparency before digital signing.
Our proprietary models outperform major credit bureaus in risk discrimination
With a database of over 80 million CPFs and a decade of real credit history, our AI models identify the true risk of each customer with far greater precision than traditional market models. The result: we approve more good payers, with less delinquency.
Open Co
Bureau
Model Performance vs. Market
Cumulative Losses × Approved Customer Decile (most to least creditworthy)