For many years, financing was considered the primary option for those looking to purchase cars, real estate, or other high-value items. However, a model rooted in financial planning and discipline is gaining traction in Brazil: the consortia. Data from the Brazilian Association of Consortium Administrators (ABAC) indicates a consistent growth in the number of active participants in the consortia system over recent years. This growth has been particularly driven by rising interest rates and consumers' search for financial alternatives that promote better organization of their finances. By 2025, the consortia system surpassed 12 million active participants, cementing its position in the Brazilian market.

Unlike traditional financing, consortia do not involve interest charges and function through the formation of groups managed by companies authorized by the Central Bank. Participants contribute monthly towards the purchase of their chosen asset—in essence pooling resources, which are then used to provide individual members with the asset at different intervals. This model encourages not only collective saving but also discipline among consumers, who must stay committed to their monthly contributions.

As the economic landscape in Brazil shifts, with increasing rates making traditional loans less attractive, the consortia model stands out as a sustainable financial solution. This approach not only alleviates the burden of interest payments but also fosters a sense of community among participants. As more Brazilians opt for consortia out of fiscal necessity or preference, this financial model may continue to expand and evolve, shaping the future of consumer finance in the country.