Pericred
Easy credit for those with negative credit history, no proof of income required, and installments up to 22x. Fast approval up to R$ 3,300.
Pericred loans have gained prominence in the Brazilian market by offering inclusive and flexible solutions for those with negative credit history. By allowing access to credit even with restrictions on your name, Pericred offers loans of up to R$3,300 directly through your electricity bill, with repayment in up to 22 installments. Another advantage is that it doesn't require proof of income, making the process accessible to self-employed and informal workers.
Interest rates and terms vary depending on the chosen option, but convenience is the main promise: credit analysis in up to 10 minutes and fast disbursement via PIX (Brazilian instant payment system). Customers can also opt for direct debit from their checking account, credit linked to their FGTS (Brazilian employee severance fund), secured by a mobile phone, or even credit through the Bolsa Família program, catering to diverse profiles and needs.
How to apply for a Pericred loan
The Pericred loan application process is simple and quick. Just fill out the online form with your personal information and wait for the review, which is usually completed in a few minutes.
After approval, simply follow the team's instructions and confirm your desired offer. The money is usually deposited into your account within 24 business hours.
No upfront deposit is required for credit analysis, reinforcing the security of the process.
You can follow everything online or even via WhatsApp.
Customer service is available from 7 AM to 7 PM, making it easier for those who prefer to handle everything digitally.
Main advantages of Pericred
One of the biggest advantages is the approval of credit for those with negative credit histories, increasing financial inclusion.
The quick release of funds is also noteworthy, making it ideal for emergencies and unforeseen situations.
Another highlight is the flexibility of the options, with different lines adapted to varied needs, such as using FGTS (Brazilian employee severance fund) or cell phone insurance.
The process is 100% online, secure and without bureaucracy, reducing waiting time and increasing customer comfort.
It does not require proof of income, facilitating access to credit for self-employed and informal workers.
Negative points to consider
Despite the ease of access, it's important to note that interest rates can vary depending on the client's profile and the chosen loan type.
The maximum contract value for some options may be relatively low compared to other products on the market.
Verdict: Is it worth hiring?
The Pericred loan is an attractive option for those with negative credit history and those seeking convenience. The fast processing time and flexible terms are significant advantages.
Even without requiring proof of income, it's ideal to run a simulation before signing a contract and pay attention to the stipulated rates, but the inclusive proposal and digital service make Pericred a solid choice for emergency and personalized credit.
