Online loan is a form in which the request is made via the Internet (and, in some cases, via telephone or ATM) and the money is deposited directly into the account of the beneficiary. The modality can be a quick fix for those who need small amounts to solve an emergency problem, such as a health issue, for example. However, the fees charged are higher than in the case of a payroll loan. See below what are the online loan options on the market:
Good for credit
Good Credit is not a financial institution, so you can not make loans online. The tool is useful, however, because it allows you to finance your loan with several institutions. In addition to the online option, it is possible to quote on the consigned loan site, with property and vehicle guarantee. To begin with, simply answer your occupation and how to repay the loan.
The online loan offered by BankCity – Digital. Available only to customers of the bank, it is contracted through the internet or at the ATMs and the amount is immediately deposited into the checking account. On the site , it is possible to make a simulation of the loan, putting value, term to pay and the date of payment of the first installment and knowing what will be the value of the installments. The bank gives up to 45 days to pay the first installment and the loan repayment can be split up to 48 times. It is not necessary to sign any documents or prove income, however, this modality is only available for some clients considered eligible. The maximum limit is R $ 50 thousand.
At Maxcomcredit it is possible to simulate the loan online, however, to close the contract you must go to the nearest company correspondent. The payment can be made by means of card and, in some cases, debit card. The maximum term is 18 months if the contracted value is less than R $ 1 thousand and 24 months for an amount equal to or greater than R $ 1 thousand. The amount is deposited in a checking account. If you do not have a bank account, you can apply for a loan. However, the maximum limit is R $ 2 thousand.
Also exclusive to account holders, Ladesmaq’s online loan allows eligible customers to request values of up to R $ 1,000. To apply, you need to access Internet Banking, make a simulation and submit a proposal. The result comes out on time. If the proposal has been approved, you must validate the contract with the debit card password over the Internet and the money is released to the current account on time.
Of the House
The Caosed online loan can be simulated directly on the Internet. Subject to the credit assessment, the modality allows the customer to receive the money directly into the current account through DOC or withdraw the amount at a Caosed branch. The request response will exit in 15 minutes.
In order to avoid risk in this type of loan, it is important to know if the chosen institution has credibility. To do this, verify that the bank or financial institution is duly registered with the Bank. The forms of payment vary according to the institution, but can be automatic debit in the checking account, check, debit card and card. Online loan can be an outlet to solve a timely problem but, resorting to this type of loan is not always a long term solution as interest is usually relatively high. Remember, the best path to financial independence is to invest in financial control which will allow you to create an emergency fund through monthly investments, so you do not have to use an online loan.