Brazil carries a weighty number: according to Serasa, more than 81 million people have the negative name in the country. To put it in perspective, this represents almost half of the Brazilian adult population — people who wake up every day with a closed door when it comes to . Self-employed workers, MEIs, housewives, people who went through a difficult time and still haven’t managed to get back on their feet. For all of them, the answer from traditional banks is usually the same: no.
This scenario is not new, but it took on new contours after the pandemic. The crisis pushed millions of Brazilians into debt — and many ended up with a dirty name (negative) — and the conventional financial system, instead of welcoming, closed itself even more. Bureaucratic requirements, proof of income, guarantees, impeccable credit history. For those who are already at their limit, bringing all of this together is often impossible.
The vacuum that banks left
For decades, the credit in Brazil it was synonymous with a bank branch, queues, paperwork and days — sometimes weeks — of waiting for a response that, most of the time for those who are popularly known with the term “dirty name”was negative. This exclusionary model created an abyss: on the one hand, who has the account, history and guarantees; on the other, a majority invisible to the system.
It is exactly in this space that credit fintechs began to act with force. Unlike traditional banks, these companies were born digital, with more sophisticated risk analysis models and focused on the reality of the Brazilian people — not on the ideal customer that banks always imagined. The result is a rate of loan approval significantly larger and a process that literally fits in the palm of your hand.
The rise of fintechs in the market is not a passing trend. It is a direct response to a gigantic pent-up demand that the traditional system never knew — or never wanted — to meet. And within this universe of new financial companies, some stand out not only for their proposal, but for the concrete results they deliver to customers.
The fintech that most approves in Brazil
Among Brazilian fintechs personal credithas stood out for a very clear attribute: approval. According to data from the comparison platform JurosBaixos, it is the fintech that approves the most loans in Brazil — a figure that says a lot about the company’s philosophy and how it sees the market.
Founded with the mission of democratizing access to credit, SuperSim was born to be different. The proposal is simple but powerful: offer online personal loan quickly, uncomplicated and accessible — including for those who are negative. While traditional banks use the restricted CPF as an automatic refusal argument, fintech uses technology to look beyond the credit score and understand the real context of each applicant.
The process is completely digital, everything happens through the website, in simple steps that anyone can follow without difficulty. And most importantly: the response is fast. After completing the customer journey, the approved loan amount is deposited via PIX, within 5 minutes.
Traditional banks x credit fintechs: understand the difference
The table below summarizes the main differences between the conventional banking model and the model adopted by fintechs like SuperSim:
How it works in practice
- Quick and hassle-free registration
The customer accesses the website SuperSim and fills in basic information — name, CPF, contact details and bank account for receipt. It is not necessary to present a payslip, proof of income or any extensive documentation. - Real-time analysis
The platform evaluates the applicant’s profile using its own technology, individually and immediately. Unlike traditional models, which automatically reject those who have restrictions on their CPF, the SuperSim considers the complete context of each person to offer the best possible condition. - Receipt via PIX in minutes
With confirmed approval, the amount is transferred directly to the account informed via PIX — within 5 minutes. No waiting, no intermediaries, no bureaucracy.
This model eliminates the main barriers that historically keep people away from credit: bureaucracy, delays and the requirement for a perfect financial history. For those who are in an urgent situation — and many of the 81 million negative Brazilians are — the difference between waiting days and receiving it in minutes can be decisive.
Financial inclusion as a mission
SuperSim does not define itself as a technology company that lends money. It is, first and foremost, a platform built around one purpose: financial inclusion. In a country where access to credit is still deeply unequal, offering a real loan alternative to those on the margins of the traditional banking system has an impact that goes far beyond the financial transaction itself.
Financial inclusion has a direct effect on people’s lives. Anyone who gets a loan in a time of need can pay a late bill, prevent a smaller debt from snowballing, cover a medical emergency, keep the business running. Systematic denial of credit, on the other hand, deepens vulnerabilities and contributes to a cycle that is difficult to break.
By specifically serving those who are negative, SuperSim plays a role that goes beyond the market, it is a concrete part in the movement for a fairer and more accessible financial system in Brazil.
What customers say
The perception of those who have already used the service is one of the most honest thermometers for evaluating a fintech. This is the case of Marialva S., a 51-year-old day laborer from São Paulo, who went into debt to renovate her house. With a sheepish smile, she says: “Sometimes we don’t even think, but when we see the debt it’s up there and then we don’t know what to do anymore.” Discouraged after being denied loans at banks, Marialva discovered SuperSim through social media. “I asked for a loan and I couldn’t believe it when it came right away. It was a feeling of relief and happiness.”, adds the day laborer, who has already recommended the service to several other people.
which reinforce what the data already indicates: SuperSim not only approves more than other fintechs, but delivers an experience that people recognize as different, more human and more efficient than the market standard.
Fintechs and the future of credit in Brazil
The growth of credit fintechs in Brazil is not an isolated phenomenon. It is part of a structural transformation in the financial market, accelerated by Central Bank regulation, the popularization of PIX and the arrival of a generation of consumers who do not tolerate bureaucracy and expect answers in real time.
In this context, companies like SuperSim are not just alternatives to banks — they are, increasingly, the first choice of a public that understands that the traditional system was not made for them. And as technology advances and credit analysis models become more sophisticated, the tendency is for this door to open even wider.
Brazil has 81 million negative people. There is also a repressed demand for financial solutions that respect the reality of these people. Credit fintechs, with SuperSim at the forefront, are responding to this call — with technology, speed and a proposal that the traditional banking system has not yet been able to do: saying yes to those who need a loan.
For those who are in this situation and want to better understand how the process works, it is worth knowing the solutions to online personal loan and available on the platform. Access to credit may be simpler than it seems — and closer than you imagine.
“The loan is subject to individual credit analysis. Conditions verified in. SuperSim (CNPJ 33.030.944/0001-60)”
