I want to take out an urgent personal loan (See options)
Using the internet, you can obtain an urgent personal loan with just a few clicks. Check out 6 companies and their terms and conditions.
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THE urgent personal loan It is usually done online, with several advantages such as the possibility of solving everything via computer or cell phone.
Therefore, this is a credit without bureaucracy, from which the customer can count on the amount in their current account within 1 business day.
However, before applying, it is essential that you compare financial institutions and their conditions, such as interest rates, release period, number of installments and the maximum amount available.
To help you in this process, we have developed this content, indicating all the information about the urgent personal loan, in addition to major banks. Continue reading to learn more about:
- I want to take out an urgent personal loan, how can I get my personal loan approved?
- How to get a personal loan online?
- What is required to apply for a loan?
- 6 Options for those who want to take out an urgent personal loan without bureaucracy.
I want to take out an urgent personal loan, How to get a personal loan approved?
Initially, we decided to give you some tips so that you can obtain credit simply and with the best possible conditions:
Therefore, first seek renegotiate your debts, as one of the main reasons for having a credit application denied would be a bad credit rating.
This is because companies fear the risk of default, so show yourself to be a good payer.
Secondly, it is important to have be careful when sending your documents for a given institution.
It is common for some customers to submit incorrect information, making it difficult for the company to analyze the information and leading to denial.
On the other hand, always try prove your income.
Proof is essential for banks to remain safe and provide good conditions, in addition to releasing the urgent personal loan more quickly.
Therefore, the process is simpler for retirees, pensioners, public servants and workers with formal employment contracts.
Self-employed individuals can prove their income by formalizing their business, given that a regularized company or micro-enterprise has a better chance of obtaining credit.
Another strategy to get your personal loan approved is to use financial products of the banking system.
Those who make and receive cash payments need to review their practices, as without current account transactions, income estimation and assessment by the financial institution becomes difficult.
Following the same idea, you should have a bank account for institutions to deposit money in case of approved credit.
Therefore, the best alternatives are digital accounts such as Banco Inter or Nubank.
Finally, have proof of residence in your name.
These documents must be from three months prior to your loan application and must indicate that you are paying your monthly debts.
How to get a personal loan online?
The application process is very simple and is done online.
Therefore, the customer needs to access the company's website and run a simulation, indicating the amount needed and the number of installments.
Some companies also require you to register on the website to check all the conditions.
At this time, we recommend that you prioritize loans with the lowest CET (Total Effective Cost).
Then, send your documents to the chosen bank and wait for the credit analysis.
Once the analysis is complete, the agreement will be signed between you and the financial institution in question, generating a service contract that must remain in your possession and that of the company.
We recommend that you read the contract very carefully to understand how installment payments are made, the total amount fees, and the credit term.
After confirming the information, sign and count on the amount in your account.
In fact, we should highlight the following:
If you lose any of the institution's documents, simply request a new copy to check all your rights and obligations.
What is required to apply for a loan?
Anyone seeking any type of credit needs to understand the following:
While it is common for you to have to present a CPF and RG, as well as proof of residence and income, this is not always the case.
In addition to the above documents, variations of these types of documentation are generally accepted by organizations.
For example, instead of presenting your ID, you can provide your National Driver's License (CNH), work permit, passport, CRM and OAB cards, among others.
Each financial institution has its own analysis system, in addition to its own requirements.
Therefore, if the company requests any documents that you do not have, simply go to the responsible municipal body in the city and obtain them.
For example, regarding the CPF or RG, know that they are issued in Poupatempo.
Therefore, the time for receipt may vary, but the wait tends to be short.
Regarding proof of income, please note that banks can accept income tax returns, pay stubs, employment records, and bank statements.
Finally, as proof of residence, you can use water, telephone, electricity and bills, as long as they contain the name of the individual who will be applying for the credit.
6 Options for those who want to take out an urgent personal loan without bureaucracy
There are several financial institutions that work with this type of credit.
Below, we will list 6 companies so you can compare and decide which is best for you:
1 – Rebel
Rebel acts as a banking correspondent in the banking segment urgent personal loan, being a great ally for a peaceful financial life.
Therefore, the company has the advantage of the online 100% process, money in the account quickly and up to 45 days to pay the first installment.
The request must be made by website, where you need to register so that Fintech can know your profile.
Run the simulation and then connect your bank to the website to complete the analysis.
Once approved, the amount will be deposited into your account within 24 hours.
Finally, more details can be seen in the table:
| Amount released | Between R$ 1 thousand and R$ 30 thousand |
| Number of installments | From 6 to 36 |
| Fees | 1.9% am (25.34% aa) to 9.90% am (210.43% aa). |
| Release time | up to 1 business day |
2 – Itaú
Among the options of urgent personal loan, we can also talk about Itaú credit, which has the advantage of flexibility, considering that the amount is available within 2 business days.
Therefore, this is a quick and easy option, in which the maximum installment is 36 installments.
Read more about how Itaú personal loans work!
Therefore, the request can be made through customer service channels: 3003 3030 (capitals and metropolitan regions) and 0800 720 3030 (other locations).
For more information about Itaú loans, see the table below:
| Amount released | Not informed |
| Number of installments | 36 |
| Fees | From 2,19% am to 9,35% am |
| Release time | 2 business days |
3 – Mercado Pago
This company also has a urgent personal loan, as the value is available within 24 hours.
The amount is made available through Mercado Crédito, and can be requested by website users who have a profile where it is possible to check purchases and advertise.
It is also essential that the profile has a digital wallet, where money can be moved and earned, along with the option to request a loan.
Therefore, to request it, you must send some of your personal documents and wait up to 1 week to receive a response from the company.
After approval, the amount will be debited from your digital account on the platform, Mercado Pago, find out more here.
By the way, find out more details about Mercado Pago credit below:
| Amount released | Between R$ 300 to R$ 50 thousand |
| Number of installments | From 3 to 12 |
| Fees | from 2,99% per month |
| Release time | 1 business day |
4 – Lendico
THE urgent personal loan Lendico's initial advantage is convenience, as the customer does not need to leave home to sign up, and can do so whenever they prefer.
Since the entire process is done digitally, interest rates are lower, and customers can compare between multiple institutions at the same time with just a few clicks.
Regarding analysis time, please note that in traditional banks, it may take up to 1 week due to bureaucratic processes.
With Lendico, your profile is analyzed and the amount can be released on the same day.
For this reason, the request is made in the website, requiring you to fill out a form with your main information.
The company gathers your data and can provide you with a credit option that's ideal for your budget. If you agree, simply send all your documents for analysis.
Once approved, the final step is to sign the contract and if this is done before 1 pm, the credit deposit is made on the same day.
Find out more information about the Lendico personal loan:
| Amount released | Up to R$50,000 |
| Number of installments | 36 |
| Fees | From 1,98%* per month |
| Release time | It can even be done on the same day |
5 – Super Sim
SuperSim was born with the aim of democratizing urgent personal loan, bringing financial access to everyone who needs it.
Therefore, the company has a unique system, in which it is possible to offer a cell phone as collateral in order to guarantee more chances of obtaining credit.
After approval, the amount will be debited from your account within 30 minutes and you will pay in installments that fit your budget.
In this sense, the request is completely simple, just indicate the amount you need and fill out the form.
Immediately after approval, sign the contract and provide proof of income manually or automatically.
It is also important download the company app and wait for the team to call to confirm the information provided.
Below you can understand general information about this urgent personal loan:
| Amount released | Up to R$ 2,500 |
| Number of installments | From 4 to 12 |
| Fees | 12.5% am (310.99% aa) up to 17.5% am (592.56% aa) |
| Release time | 1 day |
6 – Get your urgent personal loan at Ciclic
Ciclic is a company owned by BB Seguros and aims to provide a good experience to its customers.
Therefore, your credit option is quick and has no bureaucracy.
To achieve this, the company partners with other businesses, offering lower rates and a payment term of up to 3 years.
The grace period for paying the first installment is up to 45 days and the use of credit is free.
That is, the client can renovate their home, travel, study or fulfill any other dream.
Finally, the company does not require any type of payment guarantee.
The loan request is made through the company's website, so click here and select the “simulate now” option.
Enter the amount you need, full name, email and cell phone number.
Choose the “continue” option and indicate your CPF, date of birth, current occupation, monthly income, extra income (if any), as well as whether you own a property or vehicle.
Therefore, provide all the necessary information so that the company can create your profile and offer you the best option.
For those who like Ciclic's proposal, simply send the documents and complete the application process.
The analysis will take place and finally the money will be released, learn more about this urgent personal loan next:
| Amount released | Up to R$ 50 thousand |
| Number of installments | 36 |
| Fees | From 1,49% per month |
| Release time | 24 hours |
Conclusion
Finally, understand that there are websites where you can compare loans from different companies with just a few clicks.
Among them, we can highlight Finanzero and Serasa eCred.
In this sense, keep researching and comparing so that your financial life improves every day!
