Is BMG Whatsapp Loan reliable?

Is the BMG Whatsapp loan reliable?

What is Banco BMG?

Banco BMG is a Brazilian bank and has been in existence for over 90 years.

It is a true benchmark in financial services such as loans, with a greater focus on serving INSS retirees and pensioners – those who receive the benefit granted by Social Security.

In an effort to stay increasingly up-to-date – with an eye on the public that is migrating to fintechs – BMG has started offering digital services to its clients.

In addition to the digital account, BMG customers also have access to a series of services, which we'll discuss below!

What are the main services offered by Banco BMG?

As mentioned above, BMG offers several digital products so its customers can resolve their issues quickly, without having to leave home or face excessive bureaucracy.

Below, we list some of the main products/services offered by the bank:

BMG App

Like its competitors that have a digital presence – such as Nubank and Inter – BMG also has its own app.

Aimed at customers looking to escape bureaucracy, the application allows the user to have several bank features in the palm of their hando, without needing to go to a physical agency.

Available for both Android and iOS, the services available in the app include: opening your account, making transfers, no fees/charges, generating payment slips, among others.

Additionally, users who choose to use the app can count on the help of Duda, BMG's virtual assistant!

With it, you can clarify a series of questions about how the application and its services work.

BMG Card

Loved by some, hated by others, credit cards are a guaranteed presence in the wallets of millions of Brazilians.

And for BMG customers it couldn't be any different.

The BMG Card is the card available exclusively to retirees, INSS pensioners and public servants who are bank customers.

It offers advantages such as: It is free of annual fees, is international – allowing the customer to use it in other countries – and the minimum payment is deducted directly from the payroll.

Investments

If your goal is to invest, BMG can also help you in this area.

The app offers an investment service for those who want to see their money grow and start making profits. All directly through the app, in a straightforward manner.

How the BMG WhatsApp loan works

Now that you know some of the advantages offered by the BMG app, it's time to talk about the bank loan offered by WhatsApp.

The BMG WhatsApp Loan is an exclusive option for INSS retirees and pensioners.

Like other payroll loan models, this loan has installments deducted directly from the beneficiary's payroll.

This way, the institution can keep the fees present in the transaction lower.

Performed directly by WhatsApp, The resource makes it even easier to apply for those looking for that little bit of money to stabilize their financial life.

On WhatsApp, customers can exchange messages with Duda, the bank's virtual assistant, through their BMG business account.

At this stage, it is necessary to provide some information about the loan applicant, such as ID, CPF and proof of residence, for example.

Among the advantages offered in this credit model are: the lowest interest rates, discount directly from the beneficiary's payroll and payment in up to 84 fixed installments.

Furthermore, the lower interest rate is also a great attraction. This option offers interest rates of 1.80% per month and 23.87% per year.

This rate value is a decisive criterion for customers seeking this type of credit.

What is BMG's WhatsApp?

BMG's WhatsApp is a communication channel that the bank provides for its customers to ask questions about the products and services it offers.

Service is provided by Duda, BMG's virtual assistant. Through this channel, you can check invoice and limit details, submit pending documents, and also request a BMG WhatsApp loan.

This is certainly one of the most practical ways to access the services the bank offers, and it's also super safe, as long as you're in contact with Banco BMG's official channel.

In fact, the official BMG WhatsApp number is: (11) 4042 7007. To start the service, just send a “Hi”.

How do I speak to a BMG representative?

At the number mentioned, you will be assisted by a virtual assistant (AI), however, if you prefer to be assisted directly by an agent, you can do so through the different channels that the bank offers.

See below the Banco BMG's main communication channels:

Card Center	4002 7007 (mobile calls) 0800 770 1790 (landline)
Relationship Center	0800 031 8866
Business Center	3004 9024 (mobile calls) 0800 724 3100 (landline calls)
Debt renegotiation	0800 286 3636
Customer Service	0800 979 9099
Ombudsman	0800 723 2044
Assistance for the hearing and speech impaired	0800 979 7333

If you prefer, you can go to a Banco BMG branch and speak to an attendant in person.

This bank has stores spread throughout Brazil, fill in the fields with your state and city you will find the nearest agency.

How long does it take for BMG bank to approve a loan?

Banco BMG takes 3 to 5 days to approve the BMG Whatsapp loan (consigned), one of its main financial products.

However, the personal loan can be approved and released within 24 hours. This makes the BMG personal loan a great alternative for those who need urgent cash!

What do I need to get a BMG Whatsapp loan?

This bank's target audience is retirees, INSS pensioners and public servants, so the main requirement is to fit this profile if you want to request a consigned.

Additionally, to take out the loan you need the following documents:

Original ID and CPF;
Two latest proof of income;
Updated proof of residence;
Last two original benefit or salary payment statements.

Because this is a loan for people with a fixed or lifetime income, the bank has greater security in the operation.

This way, even people with bad credit and low scores can apply for a loan.

Node personal loan You will need the same documents, however, you must have a clean record and a good reputation as a payer to pass the credit analysis.

Check out more details about the loan models available and what's required to apply for each one!

The best loan options from Banco BMG

As previously mentioned, the BMG payroll loan is intended for retirees, INSS pensioners and public servants.

However, it has other lines of credit that can be requested by people who do not have the profile mentioned in the previous paragraph.

In this topic you will learn about the best loan options from Banco BMG. Check it out!

# Personal Loan

To apply for this loan you must be over 18 years old and have a bank account.

Furthermore, applicants who have stable monthly payments, i.e., a fixed income, are more likely to receive approval.

The amount to be released depends on different factors of the credit analysis, for example:

Monthly income;
Credit score;
Period of signed employment contract;
Total income commitment.

Payment can be made within 12 months and after the request the money will be in the account within a maximum of 24 hours.

This loan model is also recommended for customers who have no margin on their payroll loan.

However, the ideal is to only apply for another loan after the current one ends, as the conditions and interest rate of the loan are better.

THE BMG personal loan can be requested at a branch or by phone: 0800 724 3070.

# BMG Whatsapp loan consigned

This loan model is one of the best alternatives on the market, as it has lower interest rates and better conditions.

Furthermore, it's less bureaucratic; even those with bad credit can get approval. However, it's exclusive to retirees, INSS pensioners, and public servants.

Interest rates start at 1.80% per month and 23.87% per year. Payments can be made in up to 84 installments.

The installment discount is automatic on your payroll or benefit, but you can pay installments in advance if you wish.

If you happen to apply for this loan but regret it soon after, you can cancel it within 7 days.

Public servants can request theirs by phone: (11) 3004 9024. INSS retirees and pensioners, in turn, can hire the BMG loan Whatsapp by number: 4002 7007.

# Loan with Advance Withdrawal of FGTS Anniversary

The interest rate charged for this type of credit starts at 1.69% per month at BMG.

After your application and approval, the money will be in your account within 30 minutes. With BMG, you can advance up to 10 years of your loan. FGTS anniversary withdrawal.

This credit can be advanced through the BMG app if you're already a bank customer. Otherwise, simply request the advance via WhatsApp.

Additionally, it is possible to carry out a simulation on the company's website.

#Secured Loan

In this bank it is also possible to make a loan secured by a vehicle or automobile. This modality also offers competitive interest rates:

Annual interest rate with the property as collateral is 11.2%;
The interest rate per year with the vehicle as collateral is 12.5%.

The amounts can be paid in installments over up to 60 months, for the loan secured by a vehicle.

Credit secured by real estate, in turn, can be paid in installments of up to 240 months, and the amounts obtained are much higher.

THE request must be completed through the BMG website. Once all steps are completed, the money will be deposited into your account within 48 hours.

Certainly, the BMG WhatsApp loan It's a practical solution that's very easy to apply for. Furthermore, it's bureaucracy-free and offers attractive interest rates.

Is the BMG WhatsApp loan reliable?

BMG Bank has established itself in the market as one of the main references in the lending sector.

Therefore, to facilitate access for everyone seeking a payroll loan, this option to carry out the process via WhatsApp was created.

Despite being done via WhatsApp – which may, perhaps, make some people suspicious – the procedure has everything to offer the security that a serious transaction like this deserves.

Both BMG and WhatsApp offer all the necessary protection to protect your customers' data.

That's exactly why it's a reliable option for anyone looking to take out a payroll loan.

Precautions to take when seeking a loan

Even if the tools used offer the security the customer needs, you can't blame those who are hesitant when it comes to this kind of thing.

Nowadays, there are fake websites that, by imitating the websites of well-known companies, the criminals behind this scam are able to access the data of unsuspecting customers.

Additionally, there are also accounts of gangs that contact retirees and pensioners offering loan options that are, in fact, ways to steal these customers' data.

Therefore, before making any type of request or sending any personal data, make sure you are interacting with the company's official accounts/websites.

This way, you avoid falling for scams.

Conclusion

It's important to keep in mind that this type of operation is crucial. Therefore, in situations like this, safety must always be prioritized.

As mentioned in the previous topic, make sure you are interacting with the companies' official channels.

This makes it easier to make a good deal and avoid the headaches of a scam.

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Loans

Nathalia P. Silva 13 de June de 2023