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Finding the right loan can seem challenging, especially if you have a bad credit history.
But don’t worry, there are options available for every situation. Let’s find out which one is best for you!
What is your goal?
Types of Loans Available
1. Personal Loan
If you need money quickly and without complications, a personal loan may be the solution.
This modality does not require guarantees, but interest rates may vary depending on your profile.
Why choose this option?
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- If you are looking for a quick loan without compromising your assets.
- Ideal for emergency situations.
- Adjustable payment term.
2. Loan secured by real estate
If you own a property, you can use it as collateral to obtain credit with lower interest rates and longer terms.
When to choose this modality?
- If you need a larger amount.
- If you want smaller installments over time.
4. Business Loan
If you are an entrepreneur or intend to start a business, a business loan can be the ideal alternative to finance the growth of your company.
When to consider?
- If you need capital for expansion or equipment acquisition.
5. Payroll Loan
For those who are retired, pensioners or public servants, the payroll loan offers lower interest rates, with installments deducted directly from the payroll.
Why choose this option?
- Greater control over payments, with fixed installments.
How to Choose the Right Loan?
When comparing options, consider:
- Interest Rates and APR: Evaluate the total cost.
- Deadlines: Longer or shorter term, depending on your needs.
- Guarantees: Are you willing to compromise on an asset?
- Purpose: Be clear about how you use your credit.
Explore all the options, compare offers and choose the loan that best suits your needs.
What is a Vehicle Secured Loan?
This type of credit allows you to use your car as collateral to obtain lower interest rates and installments that fit your budget.
At Creditas, the process is completely digital and agile, with personalized service to find the best solution for you.
Advantages of a Loan with Vehicle Guarantee
1. Continued Use of Vehicle You can use your car normally, even after placing it as collateral. Vehicles up to 15 years old are accepted.
2. Flexibility for Unpaid Vehicles Even if your car is still financed, you can use it as collateral to obtain credit.
3. Affordable Interest Rates Starting at 1,49% per month, with initial installments of R$ 151 and up to 60 days to start paying.
4. Flexible Values and Deadlines You can request from R$ 5 thousand to R$ 150 thousand, with payment terms of up to 60 months.
Rate Comparison
Guarantee Higher Values and Lower Interest Rates with your Property
If you need higher amounts and even lower interest rates, consider using a property as collateral. This option allows you to obtain even more advantageous conditions.
Learn more about this alternative and see how it can be the ideal solution for your financial needs.Check out our comparison on loans secured by real estate.
