The year 2025 officially entered the history of the consortia sector in Brazil. Driven by a more selective credit environment, higher costs of traditional financing, and the growing search for financial planning alternatives, the sector recorded unprecedented figures. According to data released by the Brazilian Association of Consortia Administrators (ABAC), by October the number of active consortia reached 12.36 million, an increase of 11% compared to the previous year.
Quota sales followed this growth trend. Between January and October, 4.34 million subscriptions were recorded, representing a 15.7% increase compared to 2024, according to the association’s indicators. In the same period, the volume of commercialized credit grew 34.9% year over year, totaling BRL 423.02 billion, reflecting higher average ticket values and the entry of consumers into higher-value segments.
This performance reflects a clear repositioning of consortia in Brazilian financial behavior. The model is no longer seen merely as an alternative to financing and is increasingly perceived as a tool for planning, discipline, and wealth building. In a high-cost credit environment, the absence of interest, predictable installments, and the purchasing power of a contemplated credit letter have expanded interest among both consumers and companies, especially in real estate, vehicles, equipment, and services.
At the same time, 2025 was marked by regulatory advances that increased transparency and governance, along with strong technological evolution among administrators. With more digital journeys, more mature data analysis, and greater operational efficiency, the sector closed the year ready for a new cycle of sophistication that begins to consolidate in 2026.
The year of personalization
With a solid foundation built in 2025, the year 2026 is expected to accelerate three central movements: deep product personalization, technology-driven operational efficiency, and the consolidation of consortia as a strategic instrument for both consumers and companies. Digitalization becomes definitive, moving beyond a superficial layer to become the backbone of the journey. Customer expectations center on fluidity: faster contracting, automated document verification, intelligent identity checks, and processes tailored from the start to each customer profile.
Efficiency takes center stage, especially at the moment of contemplation. Processes that once took days or weeks are now beginning to operate almost in real time, reducing the gap between contemplation and payment and preventing customers from missing negotiation opportunities, which is essential in the automotive market and absolutely strategic in real estate. Recent cases show administrators that, with intelligent workflows, reduced payment times from six days to two, and in some cases to the same day.
At the same time, personalization becomes a non-negotiable competitive differentiator. Pricing engines gain traction, adjusting administration fees, bidding conditions, and group structures according to each customer’s risk, objective, and financial capacity. The logic is clear: it makes no sense for two customers with completely different profiles to receive the same offer. In 2026, consortia stop being standardized and become calibrated products. A more sophisticated, data-driven sector emerges, closely aligned with real purchasing behavior.
Another decisive movement will be the reorganization of canceled quotas. Historically sensitive, this topic gains momentum in 2026 with transparency solutions, clearer statements, immediate refund processes, and tools that allow customers to understand exactly how much they are entitled to receive and how transfers will be made. This progress improves the experience and rebuilds trust, paving the way for many customers to return to the product with greater financial awareness.
Finally, 2026 will be a year of geographic and conceptual expansion. Countries such as Mexico begin to look to the Brazilian model as a reference, opening opportunities for internationalization and new operational fronts. Domestically, companies of all sizes, especially in agribusiness, logistics, and retail, continue to adopt consortia as a tool for asset renewal, cost-of-capital reduction, and investment flow organization.
What takes shape for 2026 is a modern, intelligent consortia product aligned with the needs of the new consumer. A product that has shed its outdated image and taken its rightful place as a strategic solution for those planning to grow, whether a young person starting their financial life, a family structuring the future, or a company investing rationally. The sector enters the year prepared to innovate, sustain its relevance, and expand its presence in Brazil and abroad, with technology, personalization, and security as its central pillars.
This article was originally published on Legismap, written by Luciana Precaro, Director of Consortia at Evertec Brazil.
