Bank of the Amazon
Loans starting from R$300, minimum installments of R$50, and options for salary deduction, payroll deduction, or income tax advance. Competitive rates and flexible terms.
Banco da Amazônia offers different types of loans, adapting to the profiles of various clients. Among the main options are payroll loans, personal loans, loans for the anticipation of the 13th salary, anticipation of income tax refunds, and a line focused on receiving salary through the institution. Minimum amounts usually start from R$$ 300, with minimum installments of R$$ 50 and terms that can reach 60 months, depending on the chosen line.
Interest rates are fixed, varying according to the client's profile and relationship with the bank, especially for those who receive their salary through Banco da Amazônia. There is also the regular application of IOF (Tax on Financial Operations). One of the major advantages is the possibility of obtaining credit linked to investments such as CDBs (Certificates of Deposit) and LCAs (Agricultural Credit Notes), which can guarantee better conditions when negotiating interest rates, particularly for existing account holders.
How to apply for your loan at Banco da Amazônia
- Find your relationship manager at your branch or through the app.
- Please specify the type of loan you require (payroll loan, personal loan, income tax advance, salary advance, etc.).
- Have your personal documents and proof of income ready.
- Please wait for the credit analysis to be performed by the bank.
- Sign the documentation and wait for the funds to be released into your account.
Advantages of a loan from Banco da Amazônia
The options are flexible: you can choose terms of up to 60 months and affordable installments. Good news for those seeking predictability in their payments.
Another positive aspect is the diversity of options, including advance payment of the 13th salary and income tax refund, which are not easily found in other banks in the region.
Points to consider when borrowing.
Like most traditional banks, you need a checking account at Banco da Amazônia. This may limit access for those who are not account holders.
Furthermore, for hiring, it's necessary to go to a branch or schedule an analysis with the manager, making the process a bit less agile compared to fintechs.
Final verdict
Banco da Amazônia stands out for its variety of credit lines, especially for those who already have a relationship with the institution. Rates and terms are competitive, and the possibility of linking loans to salary or investments provides greater security, although in-person service is still mandatory for some options. It's a solid choice, particularly for existing clients.
