Are you in need of a personal, online, fast, uncomplicated and secure loan to catch up on your bills or achieve your goals?
With M Fácil, you do your simulation quickly and the result comes out right away. After approval, the money falls within 1 business day in your account.

Master Luz: with debit on your energy bill, you can contract from R$ 250.00 to R$ 1,500.00 with installments between 12 and 24 times.


Now, check out all the advantages of hiring Master Luz:

- Installments in up to 24 months;
- Debit the installments from your energy bill;
- Hiring 100% online;
- No bureaucracy.

Interest rates calculated according to your profile
We take into account your financial behavior when taking out the loan online. You do a simulation in the app and know the conditions as soon as you finish.

Our conditions:
Minimum term: 12 months;
Maximum term: 24 months;
Minimum interest rate: 10.31% per month (224.62% per year);
Maximum interest rate: 18.34% per month (654.36% per year);
Registration fee: BRL 25.00.

In practice:
Want to know what you pay when you use your limit? We show an example.
Important: M Fácil does not charge any amount in advance to approve or deposit your loan.
CET: interest rate + registration fee + IOF

Online personal loan example:
- Amount borrowed: BRL 700;
- Interest rate: 10.31% per month;
- Registration fee: BRL 25.00;
- Payment: 24 monthly installments;
- IOF: BRL 16.28.

Total: BRL 2,128.56 in 24 installments of BRL 88.69 with an annual CET of 251.83%.
Is it possible to settle the loan before the finalized contract?
You can fully settle your contract at any time with a proportional reduction in interest. Just request it through SAC - Customer Service.


Then download the app and have easy credit, in the palm of your hand, to keep your bills up to date.

Got questions? Contact us!
SAC:
4003-1117 (Capital)
0800 729 0779 (Other Locations)
Opening hours: 24 hours a day, 7 days a week.
Ombudsman:
0800 729 1710
From Monday to Friday, from 08:00 to 18:00, except holidays.