How to Apply for a Loan with Vehicle Guarantee
Obtaining a vehicle-secured loan through Creditas is a fast, secure, and fully digital process. This detailed guide will show you how to easily apply for credit and enjoy the best market conditions.
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1. Personalized Simulation in Minutes
The first step to securing your loan is to run an online simulation. In just a few minutes, you can view a personalized loan proposal, tailored specifically to your needs and the value of your vehicle. The simulation tool is easy to use, and you can adjust the parameters to find the best combination of amount, term, and interest rate.
Tip: Use the simulation to explore different scenarios and choose the option that best fits your budget. The more detailed the simulation, the more accurate you'll be in choosing your credit line.
2. Digital Vehicle Assessment and Inspection
After choosing the best option for you, the next step is to have your vehicle evaluated. Creditas offers a digital inspection, which is completed entirely online. This process eliminates the need for travel and allows you to submit all necessary documents from the comfort of your own home. The technology used ensures accurate assessment and secure document submission.
Important: The digital inspection is simple and quick, ensuring your application progresses smoothly. During this step, you can contact our customer service team to ask any questions and ensure everything is correct.
3. Digital Signature and Credit Receipt
With the assessment complete, you're ready to sign the contract. Creditas offers the convenience of digital signatures, meaning you can complete the entire process from anywhere, using just your computer or smartphone. Once the contract is signed, the loan amount is released into your account within 24 hours, allowing you to quickly access the funds.
Advantage: Digital signatures not only make the process easier but are also secure, with robust authentication that protects your data and guarantees the validity of the contract.
Why Choose Creditas?
Creditas stands out in the secured credit market for its experience and commitment to customer satisfaction. Here are some reasons why Creditas is the best choice:
- Over R$9.9 billion borrowed: This value reflects the trust that thousands of Brazilians have placed in Creditas to finance their personal and professional projects.
- 196 thousand satisfied customers: Each customer is treated with care and receives a personalized solution, resulting in a high satisfaction rate.
- R$ 2.6 billion saved: Since 2012, Creditas has been helping its customers save significantly by offering lower interest rates and flexible terms.
Required Documentation
To begin your loan application, you will need some basic documents:
- Identification document (driver's license or ID): Proving your identity.
- Proof of address: To verify where you reside.
- Proof of income: Demonstrating your ability to pay.
These documents are essential to ensuring a streamlined and secure process. Everything is done digitally, ensuring you don't have to waste time on unnecessary bureaucracy.
Receiving Time
After signing the contract, the credit is released quickly. Within 24 hours, the funds will be available in your account, ready to be used as you wish. This speed is crucial for those who need an immediate financial solution.
Observation: The speed of credit release allows you to resolve your financial issues without delay, giving you peace of mind and flexibility.
Frequently Asked Questions
1. Can I continue using my car after applying for credit? Yes! Even if you use your vehicle as collateral, you remain the owner and can continue using it normally. The advantage of using your car as collateral is the reduction in interest rates and monthly payments.
2. What if my car is still financed? Even if your car isn't fully paid off, you can use it as collateral. In this case, Creditas pays off the outstanding balance of the previous financing, consolidating all your obligations into a single transaction. This way, you have a lower installment and centralize your debts, facilitating financial management.
3. Are there advance payments charged in the process? No, Creditas doesn't charge any upfront fees. The entire process is transparent, and you only start paying after the credit is approved. This ensures there are no surprises during the process.
4. What types of vehicles are accepted? Creditas accepts passenger vehicles up to 15 years old, including those that haven't been paid off. This offers flexibility, allowing you to take advantage of this type of credit even if your vehicle is older or still financed.
Apply for your loan now
Taking out a vehicle-secured loan with Creditas is simple, fast, and extremely advantageous. Don't waste time and start your simulation now. See how this solution can help you achieve your financial goals easily and securely.
