Being negative is a problem that affects thousands of people in Brazil, but do you know the best online loan for negative people?

This is because, to bring more security and comfort to customers, several financial institutions are opting for online lending.

And in addition, people with a bad name are also having the opportunity to apply for a loan and, thus, catch up on their bills! So, keep reading to see how this type of loan works and 05 loan options for negative people!

So, the online loan for negative people is a line of credit offered by banks and financial institutions for people with a bad name.

This is because, through a consultation with credit protection bodies such as SPC and SERASA, the institution is able to access the person's data and find out if their name is dirty!

And so, the vast majority of financial institutions end up blocking negative customers due to the high risk of default.

However, there are still credit options that can be requested even if the person has a name restriction!

So, first of all, the first criterion for getting the loan is to be in negative condition. This is because it has exclusive conditions for people with a dirty name.

Furthermore, to access the loan, some profiles need to have different conditions, such as being a pensioner or retiree, as well as a public employee (state, federal and municipal employees).

Therefore, to access the loan for negative people, it is necessary to comply with some criteria such as those listed, as well as obtain the necessary documentation!

So, the documentation required to apply for the loan online are:

Official documents with photo such as ID, work card, CNH (National Driving License), passport, agency card (CRM, OAB, among others), and others.

And in addition, documents that prove income such as pay stub, pay slip, work card, income tax declaration and bank statement.

As well as documents that prove residence such as electricity, water, cell phone or landline bills, FGTS statement, credit card bill and others.

Therefore, most of the documents requested are very simple and serve as proof that your name is restricted by credit agencies!

So, let's look at the 05 online loan options for negative people! Check out:

So, the Superdigital loan is the first option among online loans for negative people.

This is because it has a super accessible credit analysis and has very low interest rates of around 1.6% per month in up to 18 installments!

Furthermore, it can be done digitally 100% and the amounts are deducted immediately after signing the contract and you do not need a minimum amount to make the request!

On this loan, the better your credit score, the lower the interest rates.

Furthermore, you do not need to offer anything as collateral when taking out this loan from Superdigital!

Therefore, if you are negative and are looking for a bank that has a super accessible application to access your finances, as well as an intuitive website to request your loan, Superdigital is the best option for you to hire!

Well, BMG bank is also one of the bank options that offers online loans for negative people.

This is because it has the option of a payroll loan available to retirees and pensioners who have some margin.

In this, it has reduced rates of around 1.75% per month and extended payment terms with very exclusive conditions.

As well, it has a quick, safe and simple credit release!

Therefore, a loan from BMG is a great option if you have a bad name and are looking for security and exclusive payment conditions!

So, Caixa Econômica Federal is also part of the group of banks that offer online loans to negative people!

This is because it has a payroll loan ideal for retirees and pensioners, through the Caixa Simples Card.

In it, you can take out the loan through the institution's website with affordable interest rates starting at 1.54% per month!

Therefore, Caixa has several quality services such as online loans without consulting credit bureaus, which provide the security you need!

Well, CashMe is the fintech of the Cyrela group, one of the largest developers in Latin America, which makes loans secured by property. 

Therefore, if you are looking for a safe and ideal online loan for those with negative income, CashMe is one of the best options on the market!

This is because you can do a digital 100% simulation, without any bureaucracy and have the amounts debited from your account within 2 business days!

To do this, you need to use your property as collateral in amounts starting from R$50 thousand! So, if you are looking for a safe loan, CashMe has what you need!

So, Crefisa also has an online loan option for negative payroll loans with interest rates of around 1.66%!

Furthermore, the payment terms for this loan can reach up to 84 months, without additional interest.

Furthermore, policyholders need to have assignable benefits and margin available!

Therefore, Crefisa always has great services and products and it would be no different in the case of this ideal loan for people with a dirty name!

But if you want to better understand how to get a loan when you're in bad debt, or what types are available on the market, check out the content we chose for you below!