FAQ & safety
Questions from those evaluating the platform and everything about data protection and anti-fraud.
Frequently asked questions
Who actually grants the credit?
Partner financial institutions: banks and direct credit companies regulated by the Central Bank of Brazil. VerdaCred runs the journey as a banking correspondent (Res. CMN 4.935/2021).
Do you check my CPF without my knowledge?
No. Simulation runs no credit check. Checks only happen with your express authorization, logged with date and time.
How much does it cost to simulate?
Nothing. Full terms come in the contract before signing. Upfront charges are a scam; report them.
How long until the money arrives?
It varies with analysis, execution and the partner institution's flow. You follow every step, with no artificial promises.
I have bad credit. Can I simulate?
Yes. Final approval depends on each partner institution's policy.
Which documents will I need?
Usually: photo ID, pay stub and account details. All from your phone.
Safety as part of the product
In payroll lending, the biggest risk is not the rate, it's the scam.
Encrypted connection
The entire site runs on a protected connection from your browser to our systems.
Checks only with authorization
No check without your express consent, logged with date and time.
Minimum data principle
We collect only what is necessary and never ask for passwords or codes.
6 signs of a payroll loan scam
Upfront payment
We never charge a release fee. Whoever asks is a scammer.
Asking for passwords or codes
We never ask for bank passwords or codes sent by message.
Artificial urgency
"Today only" and "instant approval" are classic triggers.
Unofficial contacts
We only serve through the channels published on the site.
Too-good offers
Zero rates or guaranteed approval without analysis do not exist.
Look-alike domains
Check the address before entering data.
VerdaCred golden rule: we never charge upfront, never ask for passwords and never promise approval without analysis. Simulating is and will always be free.
Official channels
- Fale conosco
- contato@verdacred.com.br
- Telefone
- (11) 3000-0000
Suspect a scam? Do this now:
Contact your bank and request a block/refund.
File a police report (in person or online).
File a complaint at consumidor.gov.br and Central Bank channels.
Change bank and gov.br passwords from a trusted device.
Tell VerdaCred to help alert other users.