Serasa Credit
Rates starting from 1,29% per month, fast analysis and hassle-free contracting, even for those with negative credit history. Several options in one place.
Serasa Crédito stands out as a credit marketplace, bringing together offers from more than 40 banks and financial institutions. The rates offered start at 1.29% per month for special options, such as FGTS (Brazilian employee severance fund) advances, and around 3% per month for traditional personal loans. The process is 100% online, requiring no collateral for basic contracting, and includes options for those with negative credit history.
The payment term is customizable, and can reach up to 60 months depending on the partner bank. The analysis takes place within a few hours, and the money can be released into the account within five business days after approval. There is no fee for analyzing proposals, bringing more transparency to the consumer.
How to apply for a Serasa Crédito loan
- Create or access your free account through the official website or app.
- Fill out a short questionnaire with your financial and personal information.
- Choose the type of loan and simulate amounts and terms.
- Send your proposal for quick review.
- Wait for a response and, if approved, complete the online purchase.
Advantages of Serasa Credit
The major advantage is the immediate comparison of various offers without impacting your Serasa Score. Furthermore, the options cover personal loans, payroll loans, credit cards, and even FGTS (Brazilian employee severance fund) advances, making it easier for different profiles.
Another positive aspect is the possibility of approving credit even for people with negative credit histories, expanding access even for those with restrictions.
Disadvantages of Serasa Credit
Since Serasa acts only as an intermediary, the final terms and rates can vary considerably between partner institutions, requiring attention to the term and total effective cost (TEC).
Another limitation is that some options require additional documentation, and not all offers will be available to all profiles.
Verdict
Serasa Crédito is an excellent choice for those seeking speed, transparency, and the ability to compare various credit offers in one place. It is especially recommended for those who want convenience and competitive rates, but it is essential to carefully read all the details of each offer before signing a contract.
