Pericred
Accessible credit for those with negative credit history, self-employed individuals, and beneficiaries of the Bolsa Família program; simple application process and fast analysis, with approval even without proof of income.
If you're looking for credit alternatives even if you have a negative credit history, receive Bolsa Família benefits, or are self-employed, Pericred is an option to consider. The platform offers credit lines that include direct debit, credit on your electricity bill, FGTS (Brazilian severance fund) birthday withdrawal, and even credit secured by your cell phone, without requiring excessive collateral for various categories, and emphasizes ease of use and inclusion. Payment terms are flexible, reaching up to 24 installments for electricity bill credit or up to 84 installments for payroll loans, and the analysis is quick, taking up to 10 minutes, according to the company.
How to apply for a Pericred loan
- Visit Pericred's official website or digital channels.
- Choose the type of credit you want: electricity bill, FGTS (Brazilian employee severance fund), direct debit, cell phone guarantee, payroll loan, among others.
- Complete the initial registration with personal data and financial information.
- Please attach the requested documents according to the type of loan.
- Please wait for the preliminary review (up to 10 minutes) and, if approved, confirm the proposal;
- The funds can be credited to the account quickly after the analysis is approved.
Main advantages
Pericred offers flexibility in both the types of credit and the profiles accepted, including those with negative credit history, self-employed individuals, and beneficiaries of social programs. It does not require upfront payment, which increases security for the applicant and reduces the risk of fraud.
Another highlight is the fast, automated analysis, in addition to not requiring proof of income in some modalities. Loan amounts can reach R$3,300 for credit through electricity bills and up to 90% for the value of a car with vehicle-secured credit.
Disadvantages and points to consider
Despite its ease of use, Pericred acts as a banking correspondent and not as a direct bank. This means that rates and conditions may vary depending on partnerships with financial institutions, and not all requests are automatically approved.
It's also important to check the eligibility policy, as some internal criteria may restrict credit granting even to profiles that appear to be eligible. Furthermore, some options are still "coming soon," such as credit via bank slip or car loan.
Verdict: Is it worth hiring?
Pericred stands out as an option for those with a negative credit history or seeking credit without bureaucracy. It offers transparent approval and does not charge upfront fees, which provides security for many users. For those seeking quick approval and various contracting options, it is worth considering.
However, this does not replace a careful analysis of the contract and fees before signing. Ideally, all conditions should be discussed directly with the company, and all options should be evaluated.
