Ditto Cred

Start Capital

About this app

Ditto Cred is the perfect solution for those who work with FGTS (Brazilian employee severance fund) anniversary withdrawal anticipation. Created to provide more agility, autonomy, and scalability, the platform simplifies the entire sales process quickly and efficiently, directly on your cell phone.

Sell in Three Simple Steps:
• Simulation: Enter the client's CPF (Brazilian tax identification number) and view the amount available for anticipation.

• Proposal: Choose the best condition, fill in the data, and send the proposal in a few clicks.

• Formalization and Payment: After approval, the contract is closed and the amount is released in minutes.

• Instant Commissions: Receive commissions instantly, directly in the app - no waiting, no intermediaries, and with total autonomy.

Check out Ditto Cred's credit solutions:
1. FGTS Loan (Birthday Withdrawal) Ideal for those who have a balance in their FGTS accounts and have opted for the Birthday Withdrawal. The amount is deducted annually directly from the FGTS, without compromising your monthly income.

• Advance up to 12 installments of the birthday withdrawal.

• Loans starting from R$20.00.

• Possibility of contracting even with a negative credit history.

Rates and simulation examples:
Birthday Withdrawal (FGTS Loan)
• Monthly rate: 1.79% p.m.
• Annual rate: 23.73% p.a.

• Minimum CET: 1.39% p.m.
• Maximum CET: 2.08% p.m. (up to 27.98% p.a.).

• Maximum Annual Percentage Rate (APR): 27.98%.

• Possibility of early repayment.

• Minimum payment term: 12 months (1 year)
• Maximum payment term: 144 months (12 years)

Example:
R$1,713.26 to be paid in 5 years (60 months) - with an interest rate of 1.80% per month and an Effective Annual Rate (CET) of 1.97%, with a final payment of R$2,450.22.

- Installment 1 | Due date: 01/10/2025 | Installment amount: R$928.06 | Principal amount: R$735.38 | Interest amount: R$192.68.

• Installment 2 | Due date: 01/10/2026 | Installment amount: R$649.64 | • Installment 2 | Due Date: October 1, 2027 | Installment Amount: R$454.75 | Principal Amount: R$306.45 | Interest Amount: R$148.30.

• Installment 3 | Due Date: October 1, 2027 | Installment Amount: R$454.75 | Principal Amount: R$306.45 | Interest Amount: R$148.30.

• Installment 4 | Due Date: October 1, 2028 | Installment Amount: R$274.44 | Principal Amount: R$199.07 | Interest Amount: R$75.37.

• Installment 5 | Due Date: October 1, 2029 | Installment Amount: R$143.33 | Principal Amount: R$115.70 | Interest Amount: R$27.63.

Security and Transparency:
Ditto Cred is regulated by the Central Bank of Brazil and acts as a banking correspondent for Q.I SOCIEDADE DE CRËDITO S.A, SINGULARE CORRETORA DE TÍTULOS MOBILIÁRIOS S.A.
User data is processed in accordance with our Privacy Policy, respecting the LGPD (Brazilian General Data Protection Law), with exclusive use for credit analysis, formalization, and communication of the proposal.

Learn about our terms and conditions of use:
Terms and conditions of use: https://ditto.startcapital.app/policy

Ditto Cred – CNPJ: 42.297.409/0001-61
Address:
Rua Epiacaba, 325, Parque Fongaro, São Paulo - SP, CEP: 04257145

About Start Capital

Start Capital is the technology company behind the white-label solution used by Ditto Cred. Specializing in platforms for the financial market, Start develops robust, secure, and scalable systems that help its partners operate with their own brand, efficiency, and total freedom.

With a complete, 100% digital application that can be customized with your brand, you offer a professional and agile experience for your clients and consultants. Start's mission is to boost businesses seeking growth with cutting-edge technology.

What’s new

Novidades:
- Adição de novo produto: Crefaz CLT
- Ajustes no formulário da Crefisa baixa renda e Crefisa INSS
- Melhorias nas autorizações