Brazil youth loan participation rises to 13.3%

personal loans youth credit participation IJBE index Brazilian consumer behavior credit simulations

According to the Low Interest Loan Index (IJBE), which is based on over 10 million credit simulations, there has been a significant shift in the Brazilian personal loan market between January 2025 and March 2026.

Participation from young adults aged 18 to 25 rose sharply from 1.8% to 13.3%, marking the largest increase among all analyzed age groups. While Brazilians aged 26 to 45 still represent the largest share of loan contracts, the surge in youth participation highlights a changing demographic trend.

During this period, the average amount requested for loans decreased by 26%, suggesting a rise in requests for smaller financial needs. However, specific credit modalities saw increases in average ticket values: loans secured by mobile phones rose by 24%, and unsecured loans increased by 43%.

Data also indicates that consumers are becoming more selective, performing an average of 2.56 simulations before finalizing a personal loan contract.

Entities

Brazil · IJBE · Juros Baixos

Claims

What the coverage asserts, and how many sources carry each claim.

[● 3 SOURCES] The participation of young people aged 18 to 25 in personal loan contracts rose from 1.8% in January 2025 to 13.3% in March 2026. valor.globo.com · portal.comunique-se.com.br · dicaappdodia.com
[● 3 SOURCES] Brazilians aged 26 to 45 still hold the largest share of personal loan contracts. valor.globo.com · portal.comunique-se.com.br · dicaappdodia.com
[● 3 SOURCES] Consumers perform an average of 2.56 simulations per personal loan contract. valor.globo.com · portal.comunique-se.com.br · dicaappdodia.com
[● 3 SOURCES] Loans secured by mobile phones saw a 24% increase in average ticket value. valor.globo.com · portal.comunique-se.com.br · dicaappdodia.com
[● 3 SOURCES] Unsecured loans experienced a 43% increase in average ticket value. valor.globo.com · portal.comunique-se.com.br · dicaappdodia.com
[● 3 SOURCES] The average requested loan amount fell by 26% during the analyzed period. valor.globo.com · portal.comunique-se.com.br · dicaappdodia.com

Sources

Participação de jovens no empréstimo vai de 1,8% para 13,3% [valor.globo.com]

about 4 hours ago

Participação de jovens no empréstimo vai de 1,8% para 13,3% - Portal Comunique-se [portal.comunique-se.com.br]

about 18 hours ago

Participação de jovens no empréstimo vai de 1,8% para 13,3% [dicaappdodia.com]

about 4 hours ago