The main loans from mobile operators

Loans from telephone operators can be requested online and without bureaucracy. 

Need quick, hassle-free cash? Did you know your chip can help you get a loan? 

In today's text you will discover which telephone operators sell personal credit.

So, be sure to read to the end to find out how to request yours!

Text index:

• Vivo Money Personal Loan;
• How to apply?
• Claro Smartcred Personal Loan;
• How to apply?
• How to use money from operator loans?
• Conclusion.

Vivo Money Personal Loan

Vivo's personal loan is available on the platform Vivo Money, where you can also find another financial service from the brand, Crediário Vivo Money.

This model is great for carrying out large projects, because the values available can reach up to R$50 thousand. 

Additionally, you can pay the amount in up to 36 installments, so it's important to pay attention to the amount requested so the installments don't harm your budget. 

Vivo Money loan interest rates start at 0.99% per month, however, the applicant's financial profile influences the fixed interest rate. 

Certainly, Vivo credit has one of the lowest rates among loans from mobile phone operators.

The requested money will be in your account within 2 business days, so it's a great alternative for those who need money urgently!

How to apply?

You can apply for a Vivo Money loan online (100%). Before applying, it's important to note that you must have an active Vivo SIM card. 

First of all, you need to perform a simulation on the Vivo Money platform using your mobile number.

Next, you will need to send some data and photos of the documents to prove ownership of the Vivo line and guarantee its security.

In the last step, just wait for the data to be evaluated. If everything is ok, the money will be credited to your account. 

Loan installment payments are made via bank slip or direct debit. 

There is no information on whether this loan accepts people with bad credit or low credit scores, but the company promises that the loan is bureaucracy-free. 

However, because it is also available to prepaid customers, the security of the operation is lower, so the credit analysis is also more rigorous.

If you're already a Vivo customer and need money, it's worth a try!

Meet the 👉 Vivo Mastercard International credit

Claro Smartcred Personal Loan

This is Claro's loan. It can be taken out online (100%) and is available to Postpaid and Controlled customers. 

The minimum loan amount is R$1,400.00 and the maximum is R$1,400.00. Payments can be made in up to 42 installments. 

Loan installments are deducted directly from your Claro bill, so it is only available to Claro Pós and Claro Controle customers. 

Interest rates, in turn, are charged from 4.5% per month, but the fixed rate depends greatly on each customer's profile. 

After the contract is approved and signed, the amount will be credited to your account within a maximum of three days.

Personal credit Smartcred is the result of a partnership between Grupo América Móvil, owners of the Claro, NET and Embratel brands, and Banco Inbursa Brasil.

How to apply?

If you are a Post and Control customer and have already received an invitation from Claro, visit the website www.clarosmartcred.com.br and perform a simulation. 

Then, send the requested data and wait for the bank to contact you via the registered email address. 

If your request is approved, the next step is to sign the contract digitally, via Token. 

That's it! Now just wait for the money to hit your account!

How to use money from telephone operator loans?

These loans are considered personal loans, meaning you can use them for your personal needs.  

Additionally, you don't need to specify how or when you'll use the requested amount. You can use it to, for example: 

• Travel;
• Reform;
• Invest in studies;
• Set up a business;
• Perform an aesthetic procedure;
• Organize your financial life;
• Pay debts.

However, before requesting operator loans telephone or any other loan model, it is very important to carry out good financial planning. 

First, you need to run a simulation to identify the interest rates. Then, you'll need to assess whether the installment amount won't disrupt your budget and whether you'll be able to pay the full amount. 

It is very important that you run a simulation to find out which alternative is more economical, that is, with the lowest interest rate and fees.

It's worth noting that a loan should only be requested in emergencies. If you want to fulfill a dream that can wait, the ideal is to start saving and investing to achieve your goals without taking on a large debt.

In a loan, interest works in favor of the company, but in an investment, interest works in your favor. 

Conclusion

Currently, only Vivo and Claro offer personal loans. A few years ago, Tim announced that it would also offer loans to its customers, but the project has yet to launch.  

However, as soon as there's any news, we'll let you know right here! So, stay tuned for updates on our blog. 

The only ones operator loans The current mobile phone models are those mentioned above, be sure to check them out and find out which is the best alternative for your budget. 

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