In an increasingly digital world, personal finances have also found their space online, with solutions ranging from managing expenses to applying for loans. For those who are negative, that is, whose name is registered with credit protection agencies, obtaining a loan can seem like a challenging task. However, technology has come to facilitate this process, enabling these people to apply for loans without having to leave home. Let's explore how you can use apps to apply for a loan even if you're negative.
Nubank
Although the Nubank is best known for its digital account and credit card with no annual fee, fintech also offers personal loan options. The application process is done entirely through the application, with a quick and transparent credit analysis.
How to use:
- Download the Nubank app from the Google Play Store or the Apple App Store.
- Access your account and check the availability of the loan option.
- Follow the instructions to request a credit analysis and, if approved, confirm the loan.
Serasa eCred
O Serasa eCred is a platform that makes it easier to compare and apply for loans and credit cards, including for those with negative credit cards. The service connects the user to several financial institutions, offering options according to each person's profile.
How to use:
- Download the Serasa app from the Google Play Store or Apple App Store.
- Access the eCred section and fill in the information requested for the credit analysis.
- Choose the best loan offer for negative borrowers and complete the application process directly through the app.
Simple
O Simple is one of the applications aimed exclusively at granting online loans, including options for negative people. The process is simple and quick, with a response within minutes.
How to use:
- Install the Simplic app available on the Google Play Store.
- Complete the loan application form, including your personal and financial details.
- Wait for the credit analysis and, if approved, the money will be deposited into your account.
Lendico
A Lendico offers personal loans with competitive interest rates, using a completely online process. Even with name restrictions, it is possible to request a loan, subject to the platform's credit analysis.
How to use:
- Access the Lendico website or download the app, if available, for your mobile device.
- Complete the application form with your information and credit needs.
- Receive a response about loan approval and the conditions offered.
Good for Credit
O Good for Credit is a credit marketplace that offers access to various loan options from different financial institutions, including for those with negative credit.
How to use:
- Download the Bom Pra Crédito app or visit the website.
- Carry out a loan simulation by filling in the requested information.
- Compare the loan offers available and choose the one that best meets your needs.
Conclusion
Getting a loan when you're in bad debt can be a challenge, but with the help of apps and online platforms, this process becomes more accessible. It is important to highlight that, before requesting a loan, it is essential to evaluate the interest rates and conditions offered to ensure that the debt does not become unsustainable. Using the apps mentioned, you can find loan options adapted to your financial situation, all with the convenience of doing everything on your cell phone, without leaving home.
