When you apply for a loan to pay by bank slip, you have more freedom when making installment payments.
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Need money to invest in a big dream? Did you know that in the credit market you can find different lines of credit with different payment methods? See the benefits⤵️
In this post we will learn about great options from companies that offer loan with payment by bank slip banking and the main opportunities available to you, such as:
What are the advantages of taking out a loan to pay by bill?
In fact, not much changes, except that the installments will not be discounted on direct debit.
One of the advantages is that you have more control over the payment, which can be useful in some situations.
However, the loan conditions do not change when related to other forms of payment, unless it is a payroll loan, that is, where the installments will be deducted directly from the payroll.
This model is certainly more advantageous, due to the better payment conditions.
What are the best loan options for paying by bill?
There are dozens of companies that offer loans to pay by bill, however, with so many options, it is important to be sure you are making the right choice.
In this topic, we've listed 7 reliable alternatives where you can start researching and comparing to see which option best meets your needs. Stay tuned!
1. Geru
Geru's personal loan amounts range from R$1,000 to R$1,000. You can pay in 12, 18, 24, 30, or 36 installments, depending on the approved amount.
Interest rates also vary, they range from 2% to 8.2% per month, and are influenced by your credit score.
Once the contract is signed and the order is finalized, it takes a maximum of two business days for the money to reach your account.
One of the important requirements for those who wish to apply for a loan at GERU is to have a checking account with the following banks:
- Itau;
- Bradesco;
- Bank of Brazil;
- Federal Savings Bank;
- Santander;
- Nubank;
- Inter Bank;
- Banrisul;
- Original Bank;
- Sicred;
- Votorantim Bank;
- Sofisa Bank;
- Agibank;
- Northeast Bank;
- BRB;
- Banestes;
- Banpará.
The only savings account accepted for transfers is Caixa Econômica Federal.
You can pay your loan via boleto. It's available for download from your Geru account dashboard. However, you can simply copy the barcode and pay through your account app.
2. Just
Just is BV's digital lending platform. It also offers a loan to pay on the billHowever, you must have a car to provide as collateral.
This is a great alternative for those who need credit with less bureaucracy and an attractive interest rate, but have a vehicle to use as collateral.
See below some features of the vehicle secured loan Just:
The loan amount is disbursed within two business days after signing the contract, making it a great option for those who need quick cash. If you have a vehicle and are willing to use it as collateral, this is a great option.
3. Credits
Creditas has three lines of credit available, two of which allow payment via bank slip: loan secured by property and the loan secured by a vehicle.
When you use your car, apartment, or house as collateral, you have up to 240 months to pay. With such a long term, you can get installments that won't strain your family budget.
Furthermore, due to the guarantee, the institution has greater security in the operation, that is, it knows that the chances of the debt not being paid off are minimal, so it can offer lower interest rates.
Interest rates at Creditas start at 1.49% per month. They vary depending on the customer's financial profile.
When it comes to amounts, you can dream bigger with Creditas, as you can request anything from R$1,040,000 to R$1,500,000. This amount is enough to invest in a large project. This option is certainly a good option. loan to pay on the bill is very attractive.
4. Diamond
Losango has been a well-known company in Brazil for years. It's an ideal alternative for those looking to make a loan in a leading company in the area.
With your credit you can:
- renovate the house;
- make the trip of your dreams come true;
- invest in children’s studies;
- set up a business;
- perform an aesthetic procedure;
- pay debts.
Amounts vary depending on each customer's profile, so it's possible to get a personalized loan that perfectly meets your needs.
You can pay in up to 36 installments, and you only start paying after 60 days. This gives you plenty of time to organize your finances.
THE loan to pay on the Losango bill 100% can be requested online or at any branch.
5. Digio Grana Antigo Ibi Digital
With Ibi Digital you can request up to R$1,000,400, an amount that can help you make many dreams come true.
You can pay the amount over a period of up to 2 years, so it's important to keep an eye on the simulation to see if the installment amounts fit within your budget.
After signing the contract and verifying the documentation, the amount will be credited to your account within 48 hours.
However, you only start paying after 60 days, or two months. All steps are completed online, including signing the contract.
You can apply for your loan at any time of the day and from anywhere.
Finally, it is worth highlighting that Ibi Digital has moved to Digio Grana, then underwent some changes in relation to values, interest rates and payment terms.
6. Caixa personal loan
Caixa Econômica Federal has different models of loans to pay by bill, you just need to choose which one best applies to your financial profile.
Among the options, we can highlight, for example:
- Pre-fixed Monthly Personal Credit (1 to 48 months to pay);
- Post-fixed Monthly Personal Credit (4 to 36 months to pay);
- C. Pre-fixed Monthly Cash Salary;
- C. Post-fixed Monthly Cash Salary.
The amounts can be used as you wish, without needing to justify the reason at the time of the request.
Some payment conditions may vary depending on the customer's relationship with the Bank.
That's why it's important to use the products and services Caixa offers and always be up to date with your payments.
7. CashMe
If you are looking for a low interest loan, CashMe can be a great alternative. This is because its interest rate starts at 0.94% per month + IPCA.
This is the ideal credit model to make big dreams come true, as the amounts requested start at R$1,000,004,000.
The payment term is up to 240 months, and you can request 100% online without any hassle.
To request yours you need:
- be over 18 years old;
- have a good financial resume;
- Active CPF;
- bank account in your name;
- property in your name to use as collateral.
Even though your consumer behavior is taken into account in the credit analysis, Cashme states on its website that it offers this loan model to those with bad credit.
How do I compare to know if I'm making the best choice?
The first point is to make sure that you are requesting your loan to pay on the bill of a safe and reliable company.
Once this is done, the second step is to compare the interest rate, so it should be as low as possible, so you save more.
The next point to note is the payment conditions, for example, installment amounts and payment methods.
Will the installments fit your budget? Will you be able to pay them off?
Finally, the final point to compare is the CET (Total Effective Cost). This statement allows you to see all the fees, charges, and charges that will be applied to your loan.
With it, you can get a view of the amount you will pay extra and you will be able to evaluate whether it is worth it or not, in other words, whether you will get a good deal.
Conclusion
As you can see, there are great alternatives loan to pay on the bill, Of course, you just need to research and compare to make the best choice.
A loan needs to meet your needs, but beyond that, it has to be good for your pocket and your finances.
When it comes to credit, the best way to guarantee this is by choosing the most economical alternative, that is, the one with the lowest interest rate, fees, and charges.
