It's common for people with a bad name to apply for a loan, mainly to clear their name and avoid being charged interest on other debts.

In this sense, the Creditas offers a series of credit lines for the negative, all at market interest rates and with the security that only one of Brazil's largest credit institutions can offer.

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Creditas: what are the options?

Many people wonder whether it is possible to apply for a loan with a dirty name. Today the market offers various types of credit that cater for people with this profile, but you have to be very careful when looking for this type of loan. This is because there are many people and companies who use bad faith to deceive people and lead them into fraud or other traps.

The situation is different when it comes to Creditas, because in its almost 10 years on the market, the institution has already closed more than 5 million credit contracts and bought investments for more than 1.2 billion reais.

For negative, o Creditas offers credit with franchise and credit with car or property guarantee, which you will learn more about in a moment.

Private payroll loans Creditas

This type of credit is aimed at company employees with a CLT employment contract. In addition to paying back the loan more frequently, it has one of the lowest interest rates among the personal loans on the market.

The quote is quite straightforward and you don't have to justify what you're going to use the money for. This means that you can use the loan money however you like.

Creditas secured loan

In this way, you can leave the car or property to guarantee the repayment of the loan requested, but you can still enjoy the property when you pay the installments.

The advantage of a secured loan is that it has a lower interest rate and you can borrow higher amounts.

Find out about the fees now

Interest rates on loans for people with a negative credit rating are among the lowest on the market. To give you an idea, for home loans the rate starts at 0.84% in the afternoon.

In the case of private personal loans and car loans, interest starts at 0.99%, well below the market average, which hovers around 4%.

Price and payment method

With regard to the amounts, it should be noted that the loans offered by Creditas to borrowers have different limits.

Let's check together:

Real estate collateral loans: up to R $ 3 million;

Vehicle-secured loans: up to R $ 150,000;

Private payroll loans: up to 50,000

The available limit varies according to the value of the asset pledged as collateral or the contract with the company (for private payment).

In terms of repayment conditions, a loan to buy a house can be paid off in up to 240 months. A car loan can be paid back in installments over up to 60 months. A payroll loan can be paid off in 48 months.

How to apply for Creditas loans for negatives: step by step

Now that you've gotten this far, it's time to learn how to apply for a loan from Creditas.

Remember that although the credit lines offered are available to people with a negative credit rating, the institution will carry out a credit analysis that takes into account the type of restriction. Therefore, you may even be able to get a loan with a dirty name.

In the three methods mentioned above, the loan application process is very similar:

First of all, go to the Creditas website and choose the credit line that best suits your needs;

Use the simulator to enter what you need and how long you want to pay for it;

After that, a page opens where you need to enter additional information such as documents, address, telephone number, etc;

Once completed, simply send the proposal and wait for the return of the Creditas.

Please note that the institution may ask you to provide certain documents and receipts before using the money. For example, in the case of a private contract, you must provide proof that you have a work permit signed for more than three months and immediate identification, proof of income (payslip) and up-to-date proof of residence.

For loans with real estate collateral, registration with the Real Estate Registry will also be required, as the loan will be a legal mortgage.

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