Looking for cash and negatives? Itaú has the solution you're looking for.

If you need money and have a bad name, Banco Itaú's negative credit could be the solution you're looking for.

In a country where more than 60% of the population is registered with SPC or Serasa, borrowing money from a bank is not an easy task.

Itaú is one of the largest private banks operating in Brazil and offers various credit alternatives for those who don't have credit on the market. So read on to find out about them and how to get yours.

Banco Itaú credit for negative credit: what are the options?

Some banks offer special credit lines for negative credit, but this is not the case with Itaú. However, if you have an account with this bank, even if your name is dirty, you can access some lines of credit if you have a pre-approved limit.

Itaú personal loan;

Itaú loan in advance of Income Tax (IR);

Itaú loan in advance of 13th salary;

Itaú personal loan for pensioners;

Itaú payroll loans; and

Itaú personal loan single installment.

If you are not an account holder, you can apply for a loan online, without having an account at Banco Itaú.

The institute does not impose any restrictions on this loan for those who are negative, but warns that in these cases the chances of approval are lower.

Banco Itaú's interest rates are very low

The interest rate on loans offered by Banco Itaú varies according to the line of credit selected, the maturity date and the credit analysis carried out by the institution. Therefore, you can find out the actual rate when you sign the contract.

However, to give you an idea, we've listed the interest rates on some of the main loans that the bank offers, take a look:

Personal Loan: from 1.37% to 7.59% p.m.;

Payroll loans for INSS pensioners and retirees: 1.80% p.m.;

Anticipation of 13th Salary: 2.81% to 4.72% p.m.;

IR Anticipation: 2.71% to 4.72% p.m.;

Single installment personal loan: 7.59%.

Price and payment terms

As Itaú offers different lines of credit, the maximum amount you can withdraw from each one varies.

Likewise, for those who are negative because it is necessary to confirm a pre-approved limit, the amount available must be consulted at the time of contracting.

With regard to payment conditions, except for 13. salary advances, income tax advances and one-off repayable loans in a single solution, Itaú offers good payment conditions:

Personal loans: from 02 to 57 months;

INSS transfers for pensioners: from 02 to 84 months;

Free online loan: up to 36 months.

How to apply for negative financing from Banco Itaú

Now that you know what Itaú's loan options are for negative people, it's time to find out how to get yours.

The process is quite simple and, with luck, the loan can be released immediately.

Itaú account holders

If you have a current account with Itaú, you should first check whether you have a pre-approved credit limit. This can be done via online banking, the app or the bank's ATMs.

If there is no pre-approved limit, you can still get a loan, as the bank's analysis takes into account not only the fact that you have a dirty name, but your entire history and relationship with the institution.

Finally, you can also speak to the manager of one of Itaú's branches, as this specialist may be able to find a solution to your case.

You who are not an account holder

The Itaú loan for non-account holders is only available online, so you need to go to the Itaú website and register, which takes less than 10 minutes.

After entering the requested information, the bank will send an SMS with a link to your cell phone. Open it for instructions on how to fill in your form.

If your application is rejected, you can try again after 30 days. Upon acceptance, the money will be deposited into the account indicated on the application.

Have you seen how easy it is to apply for a loan from Banco Itaú? So, what are you waiting for? Click on the button below and do your simulation now.