For loans without consulting SPC / Serasa, the Agibank is an option for negative people.

O Agibank is a Brazilian bank that has been around for over 20 years. Formerly known as Agiplan, it became a fully digital bank in 2018 and was renamed Agibank.

The bank supports transactions via Android and iPhone (iOS) apps. Unlike well-known digital banks such as Nubank, the institution has physical branches, but promises to avoid bureaucracy and queues by offering its services online.

Excellent products include: digital checks, personal credit and debit cards, insurance, personal and investment loans and consigned loans. In this article, we'll focus on loans.

Payroll and personal loans

O Agibank offers payroll and personal loans. On the Reclame Aqui website, the bank scored 8.8 out of 10, which is characterized by excellent results in terms of customer service and relationships with clients who have already requested the product from the institution.

Credit for people with a bad name is possible thanks to the consigned loan modality, aimed at retirees from the National Social Security Institute (INSS).

In this way, the fees are deducted from payroll or benefits.

Who can apply?

A loan at Agibank is not consulted with credit agencies and is therefore available to debtors. The main recipients are:

Negative people

INSS pensioners and retirees

Military and Armed Forces Pensioners

Federal, state or municipal civil servants

On the amounts and values

The credit values of Agibank range from R $ 200 to 15,000 reais, and the line of credit of up to 10,000 reais does not require consultation with agencies such as SPC and Serasa, making it easier for customers who have a negative credit rating.

Furthermore, once all the documents have been approved, the Agibank provides loans of up to R$ 10,000 in just 2 hours.

Fees and payments

This gives you between 3 and 84 months to repay the loan.

Although the total financial cost is a little high, it is reasonable. However, as each case is different, it is important to understand the terms of each situation.

Advantages of bank loans

Customers applying for a personal loan from Agibank is not consulted by SPC / Serasa and can apply for a payment card to use even more and have some other benefits, such as:

• Payroll deduction
• Reduced interest rate
• Payback periods of 3 to 84 months
• Quick release of the requested amount
• Loans of up to R$ 15,000 with easy approval

Find out how to take out a loan at Agibank

You can apply for a loan at Agibank in two ways:

In person at one of the branches

The possibility of visiting a physical branch of the bank with personal documents in hand and obtaining the loan in person. Check out the documentation required:

ID, Driver's license, Proof of residence, Proof of income, CPF, Recent current account statement, Online.

If you prefer, you can also apply for a loan online on the bank's website. Just click on "I want this loan" and follow the steps below.

Fill in the form: apply for a loan on the Agibank website and request your documents, all online and from wherever you are. You don't need to enter your bank password or prove your income;

Wait for your data to be analyzed: your request will be analyzed and you will receive a reply within a few minutes;

Sign the contract and receive the money in your account: After confirmation, sign the contract with a cell phone or computer and receive the money within 1 working day. It's quick, easy and secure.