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With more than 30 years of experience, Disal consortium has several types of services available to its customers. Find out more about the company.

In 2021, the sale of new consortiums broke a record, with more than 14% more memberships than the previous year, accounting for more than 3 million contracts signed, according to data from the Brazilian Association of Consortium Administrators (Abac). Therefore, many companies offer this type of service, so we will introduce you to Disal consortium.


Disal Consórcio has more than 30 years of experience in the market and has sold more than 1 million shares and operates throughout Brazil, through more than 450 authorized points.

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With the evolution of the business, Disal Consórcio ranked third in sales in 2017, according to data released by the Central Bank.

Disal consortium
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Find out the types of insurance sold by the company

Among several options, Disal Consórcio offers its customers a car and motorcycle consortium, which are the best sellers, according to data from the Brazilian Association of Consortium Administrators (Abac).

Disal Consórcio has options for customers of cars and motorcycles from different brands for all types of tastes and budget sizes, after all, the installment needs to fit into your budget, right?

It has two types of plans:


1. Comprehensive plan

In this option, the customer will have the full right to the letter when selected. With a plan that can last 60 to 80 months, the customer chooses the amount they would like to pay per month during the contract.

2. Simple plan

In this plan, the person will only pay 75% of the value of the card during the period and, after considering the card, they will need to choose how they will pay the remaining 25%. The options are:

  • Dilution of the missing value in the installments that are yet to expire (if the card is awarded through a draw);
  • If you are going to place a bid, and it is greater than 25%, Disal Consórcio will understand which person paid off the difference that existed to complete the 100%, which was the 25% referring to the value of the chosen car or motorcycle.
  • However, if the bid is lower than 25%, the payment for the bid will reduce the value of 25% and whatever remains will be diluted among the installments that are still due.
  • If the bid is exactly the value of 25%, nothing will change in the contract or the monthly fees.
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What is a consortium?

A consortium is a way for an individual or legal entity to acquire an asset. Groups of people are created who intend to buy the same item and, in doing so, form a type of savings account.

During the period of payment of monthly payments, the person can be drawn or bid to gain access to the letter of credit before the end of the contract.

In the case of bidding, there are three types:


1. Fixed

In this case, Disal Consórcio, which is the administrator, defines the minimum value of each bid for the card to be considered. And, as the amount will be deducted from the installments that still remain to be paid, it may be greater than the amount that remains to finalize the contract.

2. Free

The free throw option must be communicated by the company before the draw takes place. Here the bid amount will be added to the monthly fee.

The main objective of this option is to consider the person responsible for the highest bid value. The famous “he who gives more, takes”.

3. Built-in

The third option is for the consortium member who uses part of the total value of their card to bid and then the amount will be deducted from the total value.

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Advantages of having a car or motorcycle consortium

There are some advantages to taking out insurance. Among the options that help people the most when making a decision are:

  • It has no interest;
  • Ease of hiring;
  • Power to purchase a vehicle in cash, helping with negotiation;
  • Flexible possibility of using a letter of credit.

It is important to remember that before closing a deal with a company, such as Disal Consórcio, research the history, go to complaints websites, talk to customers and seek information. This way you won't have future problems.

Do you already have a consortium or are you thinking about hiring one? Share with us which vehicle you want to purchase!


*This text is editorial content and does not guarantee the sale of this product on this website.

Disal consortium

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