5 banks that offer pre-approved loans to account holders

If you need a loan, know that it is easier to get one if you already have an account with a digital bank.

What is a pre-approved loan?

If you have credit pre-approved in some financial product model, in this case, loan, does not mean that it is 100% approved and available for use.

In fact, the pre-approved loan It means that you have had the opportunity to apply for this credit, as you have passed the first stage of credit that your bank or financial institution carried out.

Usually this first one credit analysis is performed automatically and based on your financial behavior in the account.

When using this function to run a simulation, you will need to confirm some data, then a new credit and registration analysis will be carried out, so if approved, you will receive the amount requested in the proposal.

Having a pre-approved loan or credit is not a guarantee that you will pass the tests, however, it means that you have been noticed and are closer to obtaining that financial product.

Now, continue reading and discover 5 banks that release pre-approved loans to account holders.

1. Banco Pan

Banco Pan is a Brazilian 100%, it is controlled by BTG Pactual and operates in different areas of the financial market.

In addition to the opportunity to have a limit of pre-approved loan In its digital account, it also offers other benefits to its customers.

For example, your account is free and completely digital, and it also offers financing, advance payment FGTS and a credit card with no annual fee.

With the Banco Pan credit card you can also get discounts at partner stores when paying for purchases with it. Among the partner stores we find, for example:

Sao Paulo Drugstore;
Philips;
Electrolux;
Veloe.

Surely, you will get many discounts on services and products useful for you and your entire family.

2. Next Bank

Banco Next is controlled by Banco Bradesco, it was launched in 2017 and is currently one of the most complete digital banks on the market.

Among the features that your digital account offers, we can highlight: digital account for minors, investment platform and friend referral program.

In addition, it provides a pre-approved credit limit based on the customer's needs and profile, among the options we find:

Installment Credit;
Personal Loan;
Advance payment of the 13th salary.

If you are already a Banco Next customer, you can check whether you have a pre-approved limit in the “Credit” function in the app.

Now, if you are not yet a customer of this bank, know that it offers many advantages to its users, including, credit with easy approval, which can increase your purchasing power.

3. Bradesco Bank

Banco Bradesco is a traditional Brazilian bank, it is already a reference in the financial market when it comes to physical banks.

In the digital world, he has his bets, the Bitz payment wallet and Banco Next, bets that have been successful, as they are independent options, with their own light and prestige.

Banco Bradesco itself also has its own digital account, offering many benefits, advantages and services to its customers.

Among these services, we can find the pre-approved loan. Once the limit is released, you have up to 90 days to start paying, and you can also pay the debt in up to 48 installments.

The values are made available based on the results of the credit analysis, Therefore, if you have a good profile as a payer and consumer, you can get a great limit that meets your needs very well.

One of the advantages is that this limit can be checked on the app, Internet Banking and also at the branch.

4. C6 Bank PJ

Thinking about opening a clothing, makeup or even cosmetics store, but don't have the money to invest?

Perhaps, a loan from C6 Bank could be the solution to your problems. This bank has a special credit limit for its corporate clients use as working capital and boost your business.

After the request and approval, the amount will be deposited into your account within one business day, so you can go shopping and start your business.

You will have 60 days to start paying the first installment, so you will have more time to organize your finances.

In addition, with this bank you also have a credit card, temporary emergency limit and many other advantages.

5. Santander Bank

Santander is one of the largest banks in Latin America, in fact, the fourth largest, behind only Bradesco, Nubank and Itaú.

It offers different financial products to its customers, each of which suits different life situations and financial profiles.

You Santander customers have access to a pre-approved credit limit for different products, including, loans.

In addition, non-account holders can also obtain different financial products through SIM, Santander's credit platform.

How can I increase my chances of getting a pre-approved loan?

As already mentioned, this function is automatically made available by the bank, it does this based on your behavior as a consumer and as a client.

Therefore, to increase your possibilities, improve your connection with the bank, for example, use the app's functions, transfer your salary, pay bills and carry out banking transactions in the app.

Furthermore, your payment history in the financial market can also have an influence, in which case, keep your name clean and do not delay paying your bills.

Certainly, when the bank is going to carry out a credit analysis automatic and observe that you are a good payer and have a positive financial history, it will be easier for him to release the pre-approved loan.

Conclusion

As you can see, many banks offer pre-approved loan to its account holders, however, it is important to carry out financial planning before proceeding with the request.

Although we only highlight 5 options in this text, in our blog You will find other great options for banks and financial institutions that offer this service.

So, be sure to take a tour of the news our blog daily.

By: Nara updated ago 2 years back