QI Tech
Autoloan

Autoloan

Offer proprietary auto credit to your clients

Offer vehicle financing and vehicle-secured credit with personalized conditions for your clients. QI Tech operates the entire credit infrastructure, from origination and disbursement to the assignment of credit rights.

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Seta
automotive-credit-as-a-serviceautomotive-credit-as-a-service

US$ 88 B

in Pix transactions

US$ 18 B

protected against fraud

+ US$ 19 B

in credit issued

US$ 28 B

under administration

QI Tech operates the two main vehicle credit modalities, with the same automated pipeline and integrated collateral management

Vehicle financing

For the customer who wants to buy a vehicle. The asset doesn't yet exist in their hands — the car, motorcycle, or truck is created under lien to the financial institution, and the restriction is automatically lifted after payoff.

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automotive-credit-as-a-service-vehicle-financing

Create a new revenue stream with proprietary vehicle credit

Most originators still depend on banks to offer credit, giving up margin and the customer relationship. With QI Tech, you operate financing with your own infrastructure: set the conditions, control the portfolio, and keep the profitability.

White Label Platform integrated into your channel

Full contracting journey with your business's visual identity. The platform comes pre-integrated with the credit engine, enabling financing simulations directly in the interface, automatic approvals, and real-time status tracking for each operation. The seller has full visibility of the progress, and disbursement happens within 24/7.

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Customizable credit policies

End-to-end collateral management

Visibility over your portfolio

White Label Platform integrated into your channel
Simple, fast and secure

We operate your new vehicle credit line, end-to-end via API

Modular plug-and-play APIs to structure, operate, and scale vehicle credit operations with end-to-end automation.

01
Origination

Build the best sales journey with a secure analysis and authentication process.

02
Formalization and collateral

Issue the credit and constitute the collateral with security and traceability.

03
Credit assignment

Technology that enables the assignment of receivables with different funding structures.

  • Anti-fraud and digital onboarding:

    Validate the borrower's identity with facial recognition, liveness, background checks, and device validation before approving any operation.

  • Credit engine:

    Configure approval policies, limits, and conditions by customer profile. Automated real-time analysis, with no manual intervention.

  • Electronic signature:

    Contract formalization with legal validity, paperless and without displacement.

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Origination

For any vehicle credit originator

Our platform serves any agent that captures and originates vehicle credit operations.

Dealerships and automotive networks

Offer financing directly at the point of sale, with your group's brand identity and disbursement within 24h.

Used vehicle dealers

Operate credit for used vehicles with the same automated pipeline and integrated collateral management.

Banking correspondents

Expand your product portfolio with vehicle credit without needing your own license.

Fintechs and independent lenders

Integrate via API and launch your own vehicle credit product with all regulatory infrastructure already solved.

Rental companies and fleets

Structure credit operations for vehicle acquisition or refinancing with scale and automation.

One-stop-shop for vehicle credit

Beyond credit issuance, the platform enables revenue across the entire pipeline: accounts, Pix and boleto for installment payments via BaaS, FIDC fund structuring via CTVM, onboarding and anti-fraud via Risk Solutions, and insurance embedded directly in the operation.

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Seta
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Operate vehicle credit with your brand

  • Disbursement 24/7
  • Integration with all 27 Detrans
  • Infrastructure regulated by the Central Bank