Bad Credit? See Loan Options for Those with Bad Credit
Despite the economic measures announced by the Government to combat the crisis, with emergency aid, many people are experiencing financial problems and have their CPF (Individual Taxpayer Registry) registered with the SPC or Serasa, having to resort to loan options for those with bad credit.
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As you know, having a bad credit history can be a hindrance when applying for credit.
However, some financial institutions have created offers that do not consult the SPC/SERASA and thus end up including those with negative credit ratings.
Below are the main loan options available today for those with bad credit. Check them out!
Loans for those with bad credit – Olé Consignado
This loan can be applied for online via computer or cell phone.
Furthermore, it is a consigned modality, so the value of the installments is discounted directly from the benefit payroll.
Therefore, it is a loan intended especially for INSS retirees and pensioners and public servants.
Among the advantages of the Olé Consignado Loan are:
- Practicality and convenience when ordering;
- Without consulting credit protection agencies;
- Low interest rates;
- No minimum income required;
- Speed and security in approvals and even releases;
- Online order tracking;
- Credit limit from R$ 250.00 to R$ 250 thousand;
- Payment term between 24 and 96 months.
Agibank Payroll Loan
The Agibank payroll loan is also aimed especially at INSS retirees and pensioners.
Therefore, the installments are also discounted directly from the benefit payroll.
Like the previous one, the application for this loan is made online, as Agibank is a digital bank.
Among the advantages of this loan are:
- Free from SPC and Serasa consultation;
- Reduced interest rates;
- Debt payment term varies up to 72 months;
- Credit limit offered from R$ 200.00 to R$ 4 thousand.
Simplic Personal Loan
This is one of the loans for those with bad credit offered by Simplic, which was created with the aim of facilitating the personal credit process for those with a bad credit rating.
Regarding requests, they are made 100% online, the interested party simply has to select the amount they want, add the data and wait for the evaluation for receipt and the deposit is made directly into the bank account that was provided.
Among the advantages of the Selic Personal Loan are:
- Available for those with bad credit;
- Offers limits between R$ 500.00 and R$ 3,500;
- Payment term from 3 to 12 months;
- Credit simulator.
Also learn about Caixa's bad credit loan options, available in three formats.
