CloQ ​​is a financial services inclusion app focused on Brazilian workers. Currently, the Brazilian market uses traditional credit analysis based on SPC/SERASA (credit bureaus) and financial data. This excludes a large part of the Brazilian population from obtaining formal credit.

CloQ is different because we have our own credit analysis based on alternative and public data. By using alternative data, we can gain insights into our clients without requesting financial history, proof of income, or SPC/SERASA status, thus offering our services in a simpler and less bureaucratic way.

Over time, our credit score can become a valuable contribution to other financial institutions and allow other services to be offered more broadly to everyone!

We see the CloQ analysis as a new credit score to be used in Brazil, an alternative and more inclusive credit score!

Requesting a nano-loan should be simple, transparent, fast, and flexible in payment dates!

We trust you, and you can trust CloQ!

With the CloQ app you can:
- Complete a quick basic registration to access the app (we ask for this information to ensure that no one applies for loans on behalf of other people).
- Simulate a nano-loan directly from your phone, without leaving home, without having to print anything.
- Request a nano-loan from R$100.00 to R$500.00 through our financial partners.
- Check the status of your request
- Track installment dates and payments
- Track your status

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Nano-loans range from R$100 to R$500 with repayment terms of 60 to 285 days, depending on the loan amount. Interest rates vary from 7.5% per month to a maximum of 11% per month plus applicable charges, and the CET (Total Effective Cost) can vary from 12.8% per month to a maximum of 18.2% per month, that is, 324.3% to a maximum of 643.8% per year. For example: for a nano-loan of R$150 with payment due in 60 days, the total to be paid will be R$186.76; annual interest of 250%.

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ATTENTION - We currently have a waiting list, and when you download the app and you are not yet a CloQ customer, you will have to request an invitation. The invitation may take a while to arrive because we have a waiting list.

The sooner you request your invitation, the sooner you can use the app!

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CLOQ consists of, but is not limited to, a platform that aims to intermediate the offering of nano-credit, i.e., nano-loans from R$100.00 (one hundred reais) to R$500.00 (five hundred reais), and the offering of other financial services provided by partners. The nano-credits are granted by SOCINAL S.A. – CRÉDITO, FINANCIAMENTO E INVESTIMENTO (CNPJ 03.881.423/0001-56). CloQ acts only as an intermediary platform/banking correspondent, not being a financial institution nor directly carrying out credit operations.

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ATTENTION: CloQ does not request any type of prior deposit or guarantee for its credit analysis or for the release of loan amounts.