Initially, the number of people with restricted names in credit bureaus such as SPC and SERASA increased significantly in Brazil in 2020. This is due to the new coronavirus that left Brazil and the world with health and financial problems. So, how to get loans without consulting the SPC/SERASA?

This is because, if on the one hand we have a greater number of people in debt, on the other hand, we have these same people in need of money to deal with the financial issues resulting from unemployment, the new coronavirus crisis and several other issues.

That's why today we're going to show you which banks make loans without consulting these bodies and still seek to bring more security to customers! Check out!

Well, people with a dirty name find it more difficult to get financial loans. That's because financial institutions end up not trusting people who already have previous debts and still had their name registered with credit agencies.

In this regard, to offer loans, financial institutions seek to consult the financial history of the applicant. And then, if the name is dirty, the chances of approval are greatly reduced.

But, there are some ways to get loans without consulting the SPC/SERASA and thus find ways to make the financial situation less complicated.

And, one of these ways is through Caixa Econômica Federal. That's because Caixa allows people with a dirty name to get loans.

Therefore, there are two ways to obtain loans without consulting Caixa: Through Pledge. That is, customers can pawn valuable assets such as jewelry, watches, valuable pens, diamonds and silverware. If the goods are approved, the amounts will be transferred immediately!

And in addition, there is also the loan guaranteed by the FGTS in which it will serve as a loan payment guarantee. In case of non-payment, the balance available on active and inactive FGTS accounts is redeemed.

In these loan models, the asset and the FGTS serve as a guarantee for the financial institution.

The fact is that people with a bad name need to provide guarantees that the loan will be paid, as well as in the case of the payroll loan that we will mention later.

So, let's get to know 5 loan alternatives without consulting the SPC/SERASA:

Initially, the BMG bank is considered one of the best options for negative loans when it comes to loans without consultation with the SPC/SERASA.

This is because the financial institution offers various financial services to customers, including loans.

Since its inception, BMG bank has become one of the pioneers of payroll loans, becoming the focus of its business. Even in 2005, BMG launched its first payroll credit card, a well-known and talked about product!

So, the loan for negatives appeared in November/2020 and is an emergency credit offer with payment in up to 12 months and release of money into the applicant's account within 24 hours.

And in addition, this type of loan still has cheaper interest rates than conventional ones on the market!

To access the loan, it is necessary to be retired or pensioner from the INSS, public servant or employee of a private company associated with Banco BMG. It is part of the BMG Super Account package, which includes a checking account with no fees!

Well, Banco Pan has the loan option for people with a dirty name, as well as the BMG bank. In this, it joins other banks as we will see later.

In addition, only INSS retirees or pensioners, as well as public servants, can apply. That's because, they integrate all the necessary criteria for approval!

And yet, compared to common loans, the Pan bank loan has interest rates up to 3x lower than conventional banks.

So, when it comes to applying for loans without consulting the SPC/SERASA, remember to use Banco Pan. And best of all, you can do the whole process online!

As we mentioned earlier, Caixa Econômica Federal is one of the financial institutions that make loans without consulting the credit bureaus.

This is because, it has several loan programs such as Pledge; through FGTS and Caixa Consignado.

Then, through Pledge, customers can pawn valuable goods such as jewelry and watches and, if approved, the money is received immediately.

On the other hand, the loan guaranteed by the FGTS allows the FGTS to be used as a loan payment guarantee. In case of non-payment, the balance available on active and inactive FGTS accounts is redeemed. And the Consigned Cash, we'll talk later.

So, Caixa Consignado is a type of loan from Caixa Econômica Federal aimed at employees of companies and associated bodies, retirees and INSS pensioners, in which the amounts will be deducted directly from the payroll or INSS benefit.

After that, all you have to do is choose where to apply for the loan, which can be done in person at one of the Caixa branches or Internet Banking and self-service channels. Then you will need to fill out the hiring forms!

Well, Daycoval bank has a special line of credit for Individuals, which is Payroll Credit. In this credit, the customer gets attractive loans, with rates much better than those of other conventional banks and fixed installments deducted directly from the payroll.

Therefore, there are several bank options to get loans without consulting the credit bureaus, just do an analysis to find out which of the options listed is the most advantageous!