Some financial institutions specialize in this type of loan assist people with restriction on CPF through a website that checks the main data of Brazilians.
Having a dirty name or being denied credit can be one of the difficulties in applying for a loan and obtaining new forms of credit.
However negative loan is available to anyone who wants it!
Financial institutions specializing in this type of loan cater for people with CPF restrictions.
This aid consists of offering extra money to people in debt to clear their names.
Negative credit loans are credit lines called loans that financial institutions make available to those who are in default or have their name on the SPC / SERASA.
How do I get an online loan for the unemployed?
Researching a lot! In Serasa eCred you'll find a number of companies with different offers of credit for people with debts. So do your research and choose the best one.
Get free access to Serasa eCred and make a loan simulation;
Compare interest rates, CET, fees and much more;
Choose the best loan offer and attach the necessary documents.
After applying for a loan, wait for the company to respond. If approved, the amount requested will go directly into your current account.
You can't forget to use your money to renegotiate your debt either, right?
What if there is no Serasa eCred offer for me?
If you can't find credit options, simulate different payment terms and amounts.
For example: if you have a debt, try to choose the one with the lowest interest so that you can pay it off as quickly as possible.
Don't forget to negotiate with the creditor to get a discount to pay off the amount owed. This is very important as it greatly reduces the interest.
Usually, the biggest discounts are given to those who pay in cash
After paying off the first debt, your chances of getting a new loan to pay off the next debt increase.
Will my Serasa score affect your personal loan approval time?
All companies have internal rules and guidelines in place when issuing or denying an online loan application.
A personal loan, in particular, contains a lot of information that can qualify for approval. One of these may be the Serasa score.
Your score is just one of the many pieces of information that can be analyzed to approve a loan application.
The company is fully responsible for the decision to offer a personal loan.
Enter the correct data in the loan simulation: banks and financial companies carry out a thorough analysis before approving a loan for a creditworthy person. Be careful when sending documents! If the information in the loan simulation does not match the documents, the application may be rejected.
Much more than interest rates - Many consumers forget to evaluate the C.E.T (Total Effective Cost) before entering into a loan agreement with borrowers. The CET has all the fees, charges and taxes you have to pay, including interest. Therefore, when choosing the perfect offer, compare the C.E.T., the interest rate and the amount of the fee.
Negotiate your debt: When you pay your debt in installments, you have to take responsibility for the installment that goes into your pocket. Don't accept the contract without a guarantee that you will comply with the terms, okay?
How do I apply for a loan?
Want to apply for a loan from Serasa? Click on the button below and find out all the information and how to apply.
*Search source: serasa
