Loan app: meet the best and learn how to make yours

Is there a greater ease than doing your activities online? Nowadays we can order food through an app, pay the bills and request our transportation. Why not take out credit through a loan app?

There are many online loan options available today, many accessible and with very little bureaucracy. What was once synonymous with knocking on doors to get credit is now just a click away.

If you are interested in the subject, follow along and we will tell you all about this type of loan!

What is a loan app?

The online personal loan has been a reality in the market for some time now. This practice, which started in the United States, brings agility and less bureaucracy to those who need money to pay off a debt or invest in a dream.

A loan app is nothing more than an application for your cell phone or computer where you can apply for a loan proposal online, that is, over the internet. It can be from a bank or a financial institution. Or even from sites linked to partner banks.

The idea of ​​the app is for you to have, literally, in the palm of your hand, the option to apply for a loan-to-value ratio whenever and wherever you want. Usually quickly and with little bureaucracy.

How to borrow online via app?

First, you need to download the app from your phone’s app store. If it’s from the Android system, you use Google Play and if it’s an iOS system, like iPhones, the App Store . In these stores, you will look for the application of the bank or company that you want to take out the loan and download it, probably for free.

After installing the app on your cell phone, just register and follow the instructions for applying for the loan. Each bank has a specific system. Therefore, they can each have a line of credit and can apply for different documents.

Also remembering that the vast majority depend on credit analysis and do not have guaranteed acceptance.

Caixa Econômica is an example of a bank that offers this type of service to the self-employed, beneficiaries of social programs and salaried workers. If you fit the above specifications, you can apply for a microcredit of up to R$1,000 through the Caixa Tem app.

You can also apply for a loan online directly from your cell phone even without apps.

There are more than 30 financial partners with online loans at rates starting at 0.75% per month. Credit falls quickly into your account, without bureaucracy!

But remember, neither Bom Pra Crédito nor other apps or websites should ask for advance deposits! The credit application service is free! Watch out for scams! ?

What are the best online loan or loan apps?

Here are some banks or institutions that make loans online or through a loan application:

Geru

Bank correspondent for AndBank and Banco CbSS since 2015, Geru is a Brazilian company that operates 100% online.

The Total Effective Cost (CET) of Geru’s loans is between 26.82% to 157.47% per annum and it makes loans without guarantee and little bureaucracy. You can even get a credit with Geru even if you are negative.

legendary

The company founded in Germany in 2011, started in Brazil in 2015 as a bank correspondent for BMG and CBSS.

Its CET varies from 46.71% to 247% per year, mainly due to the number of payment installments and the interest rate , which also varies according to the profile of the person applying for the credit.

Yes

Sim belongs to Banco Santander and operates 100% online with loans of up to R$ 30,000. Its proposal is to offer quick credit through the personal loan app.

Simplify

A banking correspondent, Simplic promises to approve and release the money on the same day. Its interest rates range from 15.8% to 17.9% per month and the loan amount is up to R$ 3,500, payable in up to 12 installments.

Why take out a loan online at Bom Pra Crédito?

Now that you know how the loan works through the app, you can find all the best options here.

At Bom Pra Crédito, a wide variety of loans are concentrated in one place. Here you fill out a single registration form and are evaluated by several companies, including the ones mentioned above.

We have the best partners and the best rates and conditions that fit in your pocket!