Pericred
Quick credit even for those with a negative credit history, flexible terms up to 24 months, loan approval without proof of income, and options for various profiles across Brazil.
Pericred offers credit even to those with a negative credit history, in addition to accessible plans such as credit on electricity bills, direct debit from bank accounts, FGTS (Brazilian employee severance fund), mobile phone credit, or Bolsa Família (Brazilian social welfare program). The service is completely digital and fast, with terms of up to 24 months and no income verification required in some modalities. Amounts vary depending on the loan type, reaching up to R$$ 3,500 in certain options.
Interest rates are not always explicitly stated on the website, but the offers stand out for their ease of approval and few requirements for self-employed individuals, salaried workers, and social security beneficiaries, making credit more accessible to all.
How to apply for Pericred credit: Step by Step
To begin, simply access the official website and fill out the form with your information. Then, submit the requested documents digitally for review. Wait for the pre-analysis, which usually takes only a few minutes. After approval, finalize the contract and wait for the money to be deposited into your account, typically within 24 business hours. The entire process is simple and can be done via mobile phone.
Advantages of Pericred credit
The main advantage is inclusion: people with negative credit histories, self-employed individuals, or beneficiaries of social programs can apply for credit. Another advantage is diversity: several credit options are available, such as through electricity bills, FGTS (Brazilian employee severance fund), mobile phone bills, or direct debit from a checking account, making it easier to adapt to the client's reality.
Disadvantages of Pericred credit
One of the drawbacks is that interest rates and total costs are not entirely clear at the time of simulation. Furthermore, not all lines of credit are available in all regions or for all profiles, and some promoted options are still in the launch phase.
Final verdict
Pericred is ideal for those who need easy access to credit, especially people with negative credit histories or low incomes. Although public details about rates are lacking, its inclusiveness and practicality stand out in the segment. Evaluate before signing a contract to understand the Total Effective Cost and ensure the best choice.
