Pericred
Credit for those with negative credit history, no proof of income required, fast and flexible. Up to R$$3,300 in 22 installments. Simplified approval. Ideal for those seeking ease.
Regarding the Pericred loan
The Pericred loan is aimed at those with a negative credit history or who need quick and easy credit. With automated approval in up to ten minutes, the service offers affordable options for different profiles.
It is possible to request amounts up to R$3,300 to pay off debts, invest in a personal project, or organize finances, without bureaucracy and without proof of income.
Installments can be paid in up to 22 payments, and other options are also available: secured by a cell phone, credit via electricity bill, and even advance payment of FGTS (Brazilian employee severance fund).
There are no upfront fees, and applications can be completed entirely online. Pericred does not require exclusivity for account holders of partner banks.
Customer service is available via phone, email, and digital channels, providing support for those who need assistance during or after the hiring process.
How to apply: step by step
1. Choose the type of credit that best suits your profile, such as electricity bill, FGTS (Brazilian employee severance fund), direct debit, among others offered by Pericred.
2. Gather basic documents such as your ID, CPF (Brazilian tax identification number), proof of address, and bank or electricity bill information, as requested.
3. Register directly through the website, WhatsApp, or social media and attach the required documents.
4. Wait for the automatic review and, if approved, confirm the conditions before finalizing the request.
5. After confirmation, the money may be released within 24 business hours, depending on the chosen method.
Advantages of the Pericred loan
Pericred's main advantage is the possibility of approval even for those with negative credit history, something rare in the traditional credit market.
The absence of a request for upfront payment offers greater security to the user, reducing the risk of common scams in the sector.
Disadvantages of the Pericred loan
Since the credit is intended for people with negative credit histories, the interest rates tend to be higher than those of traditional banks.
Pericred acts as a banking correspondent, depending on the policies of its partners, which may slow down some processes during periods of high demand.
Verdict: Is it worth it?
The Pericred loan presents itself as a reliable and flexible alternative for those with credit restrictions seeking a quick solution, without requiring proof of income.
For those seeking convenience, flexibility, and who don't mind potentially higher fees, it can be a worthwhile choice among current digital alternatives.
