Most personal loans have a payment order by boleto or via carnê. Financial institutions also issue bank instructions or send you a boleto de empréstimo online.
How do online personal loans work?
This payment option is available from the main financial institutions throughout the country. The payment slip will show the due date for each installment and you can see the amount of each installment.
From then on, you pay each installment month after month.
What's the difference between paying by carnet or by boleto?
Carnê can be thought of as preprinted slips, all together and stapled.
Many people like it this way because they already have all the installments in hand and can more easily see how much they have left, how much each one is worth and what the interest rate is.
The bill is issued monthly, sent directly to your home, by e-mail or on the establishment's website.
See who is eligible for this type of installment loan
Nowadays, everyone over the age of 18 has a CPF in their name. Some institutions can grant loans to people with a negative credit rating, but the company that is going to grant the loan will analyze the consumer's profile to see if they meet the financial institution's criteria.
Is it really reliable to pay by credit card?
Now that we know that the carnê is generated by the financial institution, you can check the credibility of the company. At Serasa eCred, every company has a rigorous evaluation to become a partner. So you can check on the Serasa eCred website whether the company is reliable or not.
Important tips for staying on top of loans
Avoid default with these important tips and don't have any problems to take into your life.
Make calculations to see how much you can afford to pay over the life of the loan;
Don't commit more than 30% of your salary;
Assess how long you will be able to pay back the loan;
Remember that the longer the delay, the more interest you will pay;
Avoid taking out several loans at the same time. You may forget to pay them back.
Do a lot of research before taking out a payday or installment loan
The decision to take out a personal loan online is made at the time of the loan.
They simulate through a financial company or online banking correspondent, analyzing your proposal and, if the loan is approved, they send you the booklet with the amounts and deadlines you will have to pay to settle your debt.
This helps with planning because you have all your installments in hand, so it's easier to see how much is left to pay back or if you've already paid the monthly fee.
Facilitates loan control
If you have any doubts about the credibility of online personal loans, you can rest assured that you are safe.
The payment booklet is issued by a financial company, which means it is regulated.
You will also receive proof that you have paid everything correctly at the end of the booklet.
Of course, to avoid problems, you need to trust a regulated and reliable institution.
Learn more tips and differences between carnê and boleto
In the bank's boleto you will receive a document each month for payment at the bank, at the lottery or for debiting your account.
It is an exchange provided by the financial company from which you took out your personal loan online for printing or sending to your home.
With an online personal loan, you will receive a booklet with all the installments to be paid.
You don't need to print anything or wait for the slips to arrive.
Have you collected the money for the installment? Just go to the bank to pay or debit your account at the ATM.
Thus, the carnê is a security that credits a loan and helps you to repay it in complete safety and to check how much is left to complete.
Withdrawn source: Serasa