The loans for the unemployed have become a viable solution for those facing financial difficulties due to a "dirty name".
In the financial world, having outstanding debts can be an obstacle, but some institutions are willing to offer credit under these conditions.
Serasa, for example, offers loan and credit card options for people with a negative credit rating, helping to resolve financial emergencies.
In this post, I'll detail how these offers work and how you can benefit from them.
How Serasa's Loans for the Negative Work
Serasa makes it easy to obtain loans for the unemployed through your eCred portal. Everything can be done online, without complications. These loans are an alternative for those who need to pay off debts or resolve financial issues.
Required documentation
To apply for a loan, it's important to be prepared with some basic documents:
- Official photo ID (RG or CNH)
- Proof of income
- Proof of residence
These documents are needed to verify your identity and ability to pay.
Digital Lending
The application process is completely digital, which simplifies and speeds up approval. On the eCred portal, you fill in your information and compare offers from various institutions.
Use of Credit
Loan amounts can be used in a variety of ways, from paying off debts to making personal investments.
Loans released for self-employed people with no income
Another interesting modality is the Self-Employed Negative Loan. This option is for those who are self-employed and have difficulty proving their income. It's an alternative for those who don't have a formal contract but need credit.
Payment deadlines
Payment terms vary from 6 to 36 months, offering flexibility so that you can pay according to your financial possibilities.
How to apply
To apply, simply go to the eCred portal, fill in the required information and compare the available offers. It's a simple and quick process.
Payroll loans
THE payroll loans is a great option for retirees, INSS pensioners, civil servants, military personnel and Armed Forces pensioners. The rates offered by Serasa are very attractive, starting at just 1.29% per month.
Advantages of a Payroll Loan
This type of loan offers lower interest rates and installments deducted directly from payroll or benefits, making it a safe and practical option.
Required documentation
To apply for a payroll loan, you will need the following documents:
- ID or driver's license
- Proof of income
- Bank details
Loan with Property Guarantee
THE loan with property guarantee is an interesting alternative, allowing you to convert up to 60% of your property's value into credit. This can be an efficient solution if you own an asset and are willing to use it as collateral.
Advantages
The advantages include longer payment terms and the lowest interest rates on the market. What's more, you can use the credit for different purposes.
Application process
To apply, you need to send the property's documentation and wait for the evaluation. Once approved, you sign the contract and register the necessary documents.
Loans without proof of income
Another service available is loans without proof of income. They can be requested through the Serasa website quickly and easily.
How it works
You fill in some basic information, compare the available offers and, if necessary, send documents such as:
- Official photo ID
- Proof of residence
It is important to remember that, due to the associated risk, interest rates can be higher.
Prepaid Credit Card
THE prepaid credit card from Serasa is ideal for those who want greater financial control. With it, you can subscribe to digital services or make online purchases without running the risk of getting into debt.
Ease of Use
To use the card, simply top it up with the required amount. It's a practical and safe alternative for those who find it difficult to obtain a traditional credit card.
Advantages of the Prepaid Card
A prepaid card offers several advantages, such as not needing to prove income and avoiding unnecessary debts. It is ideal for those who want to keep their finances under control.
Conclusion
Serasa's loans for people with credit problems are an effective way of resolving financial problems and accessing credit in times of need. Whether it's through digital loans, consigned loans or loans secured by property, there's a solution for different profiles and situations.
Choosing the right option can help you reorganize your finances and achieve stability. Exploring these alternatives is the first step to getting out of a tight spot and achieving your financial goals.
Frequently Asked Questions
What do I need to apply for a loan with Serasa?
To apply for a loan for people with a negative credit score, you need an official photo ID, proof of income and proof of residence. The process can be done online via the eCred portal.
Can I apply for a loan if I don't have proof of income?
Yes, Serasa offers loans without proof of income. All you have to do is fill in some information on the website and send some documents, such as your ID and proof of residence.
What are the interest rates for payroll loans at Serasa?
Interest rates for payroll loans at Serasa start at 1.29% per month. This rate may vary depending on your profile and the partner financial institution.
How does a loan secured by real estate work?
With a property-backed loan, you can convert up to 60% of the value of your property into credit. You need to send the property documentation for evaluation and, after approval, sign the contract.
What is a prepaid credit card?
A prepaid credit card is a rechargeable card that can be used for online purchases and subscriptions to services. It is ideal for those who want to control their spending without the risk of getting into debt.
What are the advantages of a loan for self-employed borrowers?
Loans for self-employed borrowers offer flexible terms, ranging from 6 to 36 months, and are ideal for those who don't have a formal contract but need credit.
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