VIACERTA: Easy, Digital Loan with Fast Approval – Is it Worth It?

VIACERTA's loan is an attractive alternative for Brazilians seeking convenience and speed. Its main highlight is the digital 100% process and the promise of funds being released within 2 hours of approval. With payment options up to 24 installments, the company offers flexibility for different profiles, including personal loans, with or without collateral, agricultural loans, and even solutions for those with negative credit history.

Customer service is facilitated through the website, exclusive app, and WhatsApp, promoting accessibility. Although rates are personalized and depend on credit analysis, the simulation is transparent, allowing you to understand the conditions before closing the deal. There is no mandatory collateral requirement, but those with a vehicle or property may be able to secure higher loan amounts or lower interest rates.

How to apply for your VIACERTA loan

1. Access the VIACERTA website or app;
2. Fill in the requested information (name, cell phone number, CPF [Brazilian tax ID], email, profession, income, etc.);
3. Choose the desired amount and simulate the payment terms;
4. Submit your request and await review;
5. After approval, the money will be deposited into your account – this can take up to 2 hours.

Advantages of the VIACERTA loan

The digital process streamlines approval and access to the requested amount, designed for those seeking convenience in their daily lives. The flexibility of installments up to 24 months and personalized rate analysis are positive aspects that aid in financial planning.

The various service channels, including WhatsApp and an app, make it easy to apply without having to travel. If you need money quickly or have a negative credit history, this service could be a significant advantage.

Disadvantages and Warnings

Despite the affordable offer, the fees are not clearly disclosed before the simulation, which may cause confusion. Depending on the profile, approval is not guaranteed and the analysis is rigorous.

Another downside is that, to access better conditions, you may need to offer an asset as collateral, which isn't feasible for everyone. Always read the contract before signing.

Is it worth hiring? Our verdict.

VIACERTA caters well to those who value speed, digitalization, and multiple options, but our advice is always to compare offers and check simulations before making a decision. The simplicity of the process stands out, compensating for the lack of clarity regarding interest rates in the initial search. An excellent choice, especially if you prioritize speed and convenience.