Loan for retirees online

THE loan for retirees online has many benefits compared to other lines of credit.

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Because it's more advantageous, demand is high. If there's demand, there's a strong demand for institutions offering this service.

In times of pandemic, the most advantageous aspect is being able to do the entire process without having to leave home, in the comfort of your own home.

With this in mind, we decided to create this text with some recommendations for institutions that offer this online and digital financial service.

So, keep reading to learn more. See what you'll find in this post below:

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What are the advantages of an online loan for retirees?

An online loan is one that can be requested online, that is, without the need to go to a bank branch.

This option is certainly very advantageous, because you don't have to take a crowded bus, face traffic or long lines.

Furthermore, the entire process is done automatically, so there is generally no need to speak to a manager or attendant.

In times of COVID, we know that the elderly are part of the risk group, so they need to follow safety rules, including staying home and maintaining social distancing.

So, if you need a loan to buy medicine, take a test, or anything else, you don't have to worry about leaving your home.

Other than that, this loan model stands out for its ease, simplicity and less bureaucracy.

Now, check out some suggestions from institutions that offer loan for retirees online.

Simplic Online Retirement Loan

With Simplic, you can get credit even if you have a negative credit history. It's a very transparent institution and easy to approve credit.

This loan model is exclusive to retirees due to age, contribution time, disability or special circumstances.

Values can vary from R$500.00 to R$3,500.00 and you can pay in up to 12 installments.

If your request is approved, the money will be in your account within 48 hours. 

Speaking of which, one of the requirements for applying for the Simplic online loan for retirees is to have a bank account at Caixa, Itaú, Bradesco or Santander.

To request, visit the website or download the Simplic app.

Paraná Bank

THE payroll loan PB It is exclusive to INSS retirees and pensioners, public servants or professionals from the Armed Forces, that is, the Army, Navy and Air Force.

The value of the loan installments is deducted directly from the payroll or benefit.

The amount is released within 5 days and the repayment period can be up to 120 months depending on the institution, but the average is up to 72 installments.

Interest rates are competitive, starting at 1,41% per month. See the application requirements below:

You do not need to be a customer of Banco Paraná or any specific institution to apply for the loan for retirees online PB.

To request yours, go to the bank's website and click on “Simulate now”.

HS Financial

HS Financeira offers several credit options, including a payroll loan, exclusively for retirees.

The values can vary from R$500.00 to R$5,000.00, in addition, they can be paid in installments of up to 24 months and you have up to 45 days to start paying.

Interest varies from 1.67% per month.

You can request yours on the platform Good for Credit!

Online loan for retirees Viacerta

This bank has an exclusive loan option for INSS retirees and pensioners.

The amounts are deducted directly from your payroll and you can pay off the debt in up to 84 installments.

Interest rates start at 1,69% per month. You don't need to leave your home to apply, but you must submit your application through WhatsApp.

If you don't want to be contacted via WhatsApp, you can register on the website and wait for them to call you.

Financial Alpha

The option of online loan for retirees Alfa Financeira also has a fully digital process, in other words, you will do everything via your cell phone or computer.

This loan model's interest rates are 1.69% per month. It also offers excellent repayment terms and fixed yet flexible installments.

You can hire yours on the website alfaconsignado.com.br.

It is important to highlight that none of the institutions mentioned here require an advance deposit for credit release.

So stay tuned!

How to get a loan for retirees online?

If you want to make a loan for retirees online, first of all, you need to choose the institution. 

It is important to check what loan models it offers, interest rates and whether the process can be carried out 100% online.

Some banks offer loans for both their website and app. Choose the option that's easiest to use and apply for your loan.

After the simulation, you'll be asked to provide some information and photos of the documents. Then, you must wait for the approval and registration period.

The next step is to sign the contract, which is done digitally. Finally, the money will be deposited into your account within the timeframe specified by the bank.

What is the best bank to release loans for retirees?

In this topic, you'll find the names of the best banks to apply for a loan for retirees, whether in person or online.

Check it out!

1. Bank of the Amazon

Banco da Amazônia offers different credit models to its customers, including consignment loans. 

The interest rate applied to the loan is 1.59% per month and the installments can reach up to 36x.

In addition to the loan, this bank also offers Amazônia Salário, a loan model that accepts INSS beneficiaries, but it is necessary to receive the salary at that bank. 

Visit the bank's website and see how to open your account. 

2. Loan for retirees from Agibank Bank

With Agi, you can pay for your loan in installments of up to 84 months. Interest rates start at 1.67% per month. 

The contract can be made online and this bank does not consult credit protection agencies.

There's also a personal loan model for INSS retirees and pensioners. However, the interest rates are higher, as it's exclusive to those who have already used the payroll deduction credit.

The money of the personal loan for retirees goes directly to your account and can be purchased via WhatsApp.

3. Banestes Bank 

Banco Banestes' interest rate for this credit model starts at 1,74% per month and 22,94% per year. 

It can be requested by bank account holders and non-account holders, as well as employees of the private sector.

The loan can be paid in installments of up to 144 months and the installments must be limited to 30% of the applicant's net income. 

4. CCB Brazil

CCB Brasil's pre-fixed rate for this type of loan is the lowest on the market, according to BCB table, only 1,39% per month / 18,00% per year. 

The payroll loan must be requested by telephone: 0800 725 0048.

5. Cetelem Bank

Banco Cetelem is one of the best banks to apply for a loan for retirees. 

The interest rate is applied from 1.54%, with the maximum not exceeding 2.14% per month. 

The amount can be paid in installments over up to 84 months, in amounts that certainly fit your budget.

Although not online, the request can be made by telephone or through an authorized correspondent. 

6. Inter 

Inter, as the former Banco Inter is being called, also offers a model of online loan for retirees. 

Its pre-fixed interest rate is R$1.711 per month and R$22.621 per year. This bank offers loans of up to R$1.4 million and can be paid in 120 monthly installments. 

This product is an alternative for those looking for extra income, as Inter pays R$1,400,00 per referral. 

In other words, for every INSS employee, retiree and pensioner with payroll loan If approved, you will earn R$$150.00 if you made the referral.

See below some more advantages of this loan:

The simulation can be performed through the Inter app or website. Alternatively, you can hire a bank consultant. 

7. Bradesco

Banco Bradesco offers a product with interest rates starting at 2.14% per month. The grace period is 120 days, meaning you'll have plenty of time to get organized before paying the first installment. 

The amounts can be paid in installments over up to 96 months and you do not need to be an account holder to apply. 

You can apply for your Bradesco retiree loan online through digital channels or at a branch. 

I'm retired, can I take out a loan at any bank?

If you are retired, the ideal is to look for a payroll loan, as interest rates are lower and payment conditions are better. 

Not all banks offer this type of credit, but there are a satisfactory number of banks and fintechs that offer payroll loans.

You just need to choose the option with the lowest interest rate and fees. On the Central Bank of Brazil's website, you'll find an updated table with the pre-fixed interest rates offered by each bank.

Aside from the interest rate, you also need to choose the most practical alternative. For example, some banks only accept in-person applications; in this case, you'll need to find a branch.

This branch won't always be close or easy to find. Therefore, in addition to interest rates, you need to consider other factors.

Therefore, the online loan for retirees It is a good alternative, due to its practicality and the possibility of being hired without leaving home and with good payment conditions.

Where can I get a loan for retirees?

Ideally, you should apply for this loan with a bank you already own or trust. In this article, you'll find some great options for applying. 

Before choosing an institution, make sure it's safe and trustworthy. If you're asked to make a deposit to release the funds, don't do it, as this could be a scam.

Do your research before applying and adopt good security practices before choosing where to apply for your loan.

As this is a payroll loan, you will have no difficulty in receiving approval for this loan model.

Conclusion

THE loan for retirees online It is the same as a payroll loan, it is given this name because the installments are discounted directly from the payroll and benefit.

Among the main benefits, we can highlight the much lower interest rate and better payment conditions.

Furthermore, it is much easier to approve and less bureaucratic.

So, if you're retired and want to apply for a loan without having to leave your home, be sure to check out the options we've mentioned today.

Finally, to learn more about online loan options for retirees, read our article: Loan for retirees: 5 payroll loan options.

By: Nara updated ago 2 years back