Pericred
Credit for those with negative credit history, flexible installments, simplified application process, and money deposited directly into your account. Amounts up to R$$3,300 in up to 22 installments.
Pericred is an attractive option for those seeking credit even if they have a negative credit history or restrictions, offering a straightforward approval process. Available amounts reach up to R$$3,300, which can be paid in up to 22 installments, without the need to prove income. The money can be deposited directly into the account through various payment methods, such as direct debit, bank slip, or even via the electricity bill.
Pericred's main differentiators are its flexible contracting options, multiple service channels, and fast analysis – according to the company, the pre-analysis can be done in as little as 10 minutes. Furthermore, no upfront payment is required for the application.
Step-by-step instructions for requesting
The applicant must complete a basic registration form with their personal information and submit it for review.
The preliminary profile analysis takes place in minutes. If approved, the proposal is released and the client can review the terms before confirming.
After confirmation, the credit is deposited directly into the account provided during registration, within 24 business hours.
Simply follow the required steps and wait for contact or approval via the digital platform.
Main advantages
One of the biggest advantages is the availability of credit even for those with negative credit history or low registered income.
Another advantage is that no upfront payment is required to release the loan, avoiding the risk of common scams in the market.
Some disadvantages
Despite the facilitated approvals, credit limits are restricted (up to R$3,300), which may not be sufficient for some needs.
Another point is that Pericred acts as a banking correspondent, and policies may vary depending on the partner bank.
Verdict
After reviewing the experience, I consider Pericred a solid option for those who need credit without bureaucracy, especially those with a negative credit history.
However, evaluate the conditions of each option and compare rates before making a final decision.
