Credit should enable people to lead better lives. The reality in Brazil is that people are heavily overcharged for credit, in particular for loans without guarantees: Average annualized interest costs for unsecured bank loans are +100% and reach +300% for credit card debt. These astronomical rates completely destroy the purpose of credit and often push people into financial distress. Emprex has developed a digital lending system with a cutting-edge machine learning credit scoring engine. Our solution combines better credit risk assessment with leaner lending processes and allows us to offer fair and affordable consumer loans in Brazil.