CPFL Electricity Bill Loan: CPFL offers easy and secure loans using your electricity bill as a basis. Learn how to take advantage of this credit alternative to meet your needs
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CPFL is an online platform that facilitates customer access to financial products and services offered by partner companies.
Among these services and products, we find the Protected Family Insurance and the Loan with debit on the energy bill.
In this case, there is the option of negotiating your overdue bills and paying in up to 15 installments.
However, if you do not have any outstanding bills and want to hire a loan on CPFL electricity bill, know that you can do it through partners.
So, keep reading our article to learn about them and how to apply for your credit.
However, first, know what it is and how it works. loan with debit on energy bill.
See our index below:
- What is a loan on the energy bill;
- How it works;
- advantages and disadvantages;
- How does the CPFL electricity bill loan work;
- Summary.
What is a loan on the CPFL electricity bill?
It is a new type of credit, in fact, still little known by people. That is why there are still many doubts about how it works or whether loan on electricity bill is indeed safe.
The CPFL electricity bill loan is also known as an alternative personal loan. It is intended for people who have more difficulty obtaining other lines of credit.
It is definitely the ideal option for those who are in debt!
During the pandemic, many people ended up losing their income, especially those who are self-employed.
In this case, they encountered difficulties in paying off their debts, which led at least 50% of the Brazilian population to end up on the defaulters' register, according to data from the SPC.
Furthermore, many people needed credit in the market to restart their businesses and ventures.
However, they were unable to do so, as their credit rating was bad. What now? What should be done?
The only option was to research and look for less bureaucratic financial services with easy approval.
Luckily, the loan on CPFL electricity bill, is one of them.
Take out your loan on your CPFL electricity bill in just a few minutes
How does the loan on the electricity bill work?
This credit option was certainly a light at the end of the tunnel for many people, due to how easy it was to obtain.
THE loan on energy bill, it usually works like this:
The loan amount, or installments, are charged based on your energy consumption, meaning the amount is added to your electricity bill.
The amounts can be paid via lottery, Internet Banking or ATM, in the same way you usually pay your energy bill.
This model of loan is carried out by institutions with partnerships with electricity distributors, for example, Crefaz and Equatorial .
So, before meeting the partners of loan on CPFL electricity bill, see below some advantages and disadvantages of this line of credit.
What are the advantages and disadvantages of taking out a loan with a debit on your electricity bill? CPFL?
The biggest advantage of applying for this line of credit is the ease and the fact that it is less bureaucratic.
In other words, you don't need to prove your income and even people with negative credit ratings can receive approval.
But, despite being less bureaucratic, a credit analysis is also carried out.
The biggest disadvantage to standing out is the interest rates. Depending on the financial institution, they can be quite high.
Therefore, it is important to choose the financial institution carefully and carefully evaluate the interest rate and fees table.
How does the loan work on the CPFL electricity bill?
Well, as mentioned before, the loan on CPFL electricity bill is carried out through partner companies.
Therefore, we will find out what they are below.
Take out your loan on your CPFL electricity bill in just a few minutes
Loan on CPFL and Crefaz electricity bill
Crefaz is a reference in this type of credit. With it, you can have access to a fast, simple and bureaucracy-free service.
Amounts can be requested between R$200.00 and R$1,000.00 and can be paid in up to 12 installments.
It is a great option for those who need money quickly, because the amount can be deposited into your account within 24 hours after the digital signature of the contract.
Loan on CPFL Credluz electricity bill
The Credluz loan is one of the least bureaucratic, even those with bad credit can get approval.
The amounts can be paid in up to 24 installments and the amounts are debited in fixed installments on your energy bill.
You can request it from any authorized Centercob correspondent, on the website you can find an agent or through the app.
Alesta
With Alesta you receive help to finance your overdue energy bills. A model of loan on CPFL electricity bill.
Among the advantages that this line of credit offers, we find:
- installments that fit your pocket;
- You don't need to have a bank account;
- 100% online and without bureaucracy.
The simulation to take out credit to negotiate your overdue energy bills is carried out on the CPFL Total website.
Other advantageous online loan options besides the CPFL electricity bill loan
In addition to the CPFL electricity bill loan, there are other very advantageous online loan options. Also often called personal credit, online loans are released very quickly.
In fact, consumers can use it for a variety of purposes, such as paying off debts, purchasing high-value assets (such as a car, for example) and even investing in business or traveling.
Creditas online loan (Another option for your pocket in addition to the CPFL electricity bill loan)
Our team's first recommendation is Credits, as it has one of the lowest total effective cost rates. Currently, the value varies between 12,50% to 60,78% and results in more savings for your pocket.
However, To access the loan you need to have an asset as collateral, such as a car or property. Regarding the car, it does not need to be paid off and part of the loan can be used to pay off the financing.
Advantages
Just like the loan on the CPFL electricity bill, the advantages offered by Creditas are immense, among which we cannot fail to highlight the following benefits:
- An amount of the loan determined by the institution can be used to pay off the vehicle used as collateral;
- The credit released reaches 90% of the value of the asset;
- Interest rates when compared to traditional loans are very low;
- The vehicle does not need to be completely paid off.
Online Loan Good for Credit
Then, our second option besides the loan on the CPFL electricity bill is the Good for Credit, an online banking correspondent that operates in Brazil in partnership with more than 30 financial institutions. All of this, including large banks such as Santander and Itaú.
The interest rates charged are also reasonable and vary from 9.38% to 605.84% per year. Of course, everything depends on the balance requested, terms and credit analysis of each client calculated individually.
Regarding the amounts released, these are not usually very high, as they only reach up to R$10,000. And the payment term is also very short when compared to other options, 24 months.
Advantages
Among the advantages of Bom Pra Crédito are:
- There are credit offers for those with bad credit;
- The user has access to the best offers in less than 5 minutes;
- The money quickly falls into the customer's account;
- Interest rates start from 0.75% per month.
Diamond
Well known for loan on the booklet and its famous credit cards, Losango is an excellent option for customers who need to borrow a higher amount. Similar to the loan on the CPFL electricity bill, today thanks to technology, the application is 100% online.
Furthermore, as we mentioned in the previous paragraph, the amount released is quite high and reaches R$50,000.00. In other words, it is perfect for your pocket if you want to buy something of high value, such as a wedding party or a car.
Another factor regarding this online loan is the term of installments of up to 36 times and a grace period of 60 days. In other words, you take out the loan now and start paying it back in 2 months.
Advantages
As we have seen, online loans at Losango are very advantageous! In addition, the customer also has access to the following benefits:
- Personalized interest rates and according to credit analysis;
- More time to pay;
- Direct credit to the account.
Itaú Personal Loan
Already the Itaú bank personal loan is available to both account holders and non-account holders. Now, those who do not have an account at the bank can also get approval instantly.
The money is credited to the Iti account, a virtual account of Banco Itaú, released instantly in less than 5 minutes. And The customer will only pay the first installment of the debt in 90 days with installments of up to 72 times.
Advantages
In addition to the incredible opportunity to get your finances out of trouble, we can also mention the following amenities:
- 90 days to pay the first installment;
- Payment in up to 72 installments;
- The money is immediately deposited into the account;
- There is the flexibility to pay installments in advance;
- The customer can transfer the overdraft and credit card limit to personal credit.
Summary
With CPFL you have access to credit to finance your overdue electricity bills and also personal loans with great financing companies.
Anyway, if you still have doubts about the loan on CPFL electricity bill, go to the website and access more information.
Now, if you still have doubts about how it works, loan with debit on the electricity bill, read our article!
