Pericred
Loans starting from R$ 300 and up to R$ 3,500, up to 24 installments, fast approval, flexible terms. Suitable for those with negative credit history and self-employed individuals.
Pericred is one of the most accessible loan options on the market for those with negative credit history, informal workers, and people who have difficulty getting approved by traditional banks. Operating online, Pericred offers several options: loans through electricity bills, credit via FGTS (birthday withdrawal), direct debit from checking accounts, payroll loans, and even lines of credit secured by cell phones.
The amounts granted range from R$ 300 to R$ 3,500, and can reach up to 90% of the vehicle's value for those using the car as collateral. Payment can be made in up to 24 installments for more popular methods, such as through the electricity bill, and up to 84 installments for payroll loans. A highlight is the fast analysis and access for those with negative credit history.
Obtaining credit from Pericred does not require upfront payment, an important condition to avoid scams. For some lines of credit, there is no need to prove income; you only need a valid CPF (Brazilian tax identification number), a minimum income of R$$ 500, and to meet the credit policy criteria of the financial partner.
How to apply: simplified step-by-step guide
- Register on the Pericred website by providing your personal information.
- Please send the requested documents for review.
- Please wait for the preliminary analysis, which can take up to 10 minutes.
- Receive the offer and confirm the loan terms.
- After approval, the funds are released to the account within 24 hours.
Main advantages
Pericred makes it easier to access credit for those who need it most. The company accepts those with negative credit history, self-employed individuals, and clients of various profiles, democratizing lending in Brazil.
Another positive aspect is the variety of payment methods available, including those linked to electricity bills, FGTS (Brazilian employee severance fund), and Bolsa Família (Brazilian social welfare program), expanding options for those without traditional access to credit.
Some points to note
As with any loan, rates can vary depending on the applicant's profile and the type of loan. It's important to run simulations to fully understand the total cost.
Approval depends on the policies of partner banks, so even those with negative credit histories may have their application rejected if they fall outside the tolerance levels of those institutions.
Verdict: Is it worth it?
Pericred stands out in its offering to segments of the population underserved by the formal financial system. It is a convenient, agile, and reliable alternative, without requiring upfront payment.
If you're looking for quick, convenient credit with various options, Pericred appears to be an interesting solution. Run a simulation beforehand, carefully read all the terms and conditions, and evaluate if it's truly the best choice for your current budget.
