Choosing a loan is a difficult task that requires a lot of research. To help you with this, today we are going to present you with two options: Cetelem loan or C6 Consig loan.

Both are payroll-deductible loans. That is, they are available to specific groups of people and usually have better conditions than personal loans.

Therefore, the Cetelem loan is specifically intended for INSS retirees and pensioners. And it even offers specific interest rates for each case. As well as the amount and term of payment.

C6 Consig is a 100% digital payroll loan. With a personalized analysis for each client. In order to offer you a loan that fits in your pocket and does not create new debts.

Therefore, keep reading to find out which is the best option between Cetelem loan or C6 Consig loan.

In general, Cetelem Consignado is a traditional payroll loan. That is, it is available to retirees, INSS pensioners, civil servants and army personnel. 

In addition, the installments are fixed and deducted from the benefit or salary of each client. Therefore, the bank is able to offer much lower rates compared to other types of credit. Like personal credit.

When we talk about contracting, Cetelem still does not make the request available online. In this sense, to request it, you must contact the Cetelem Relationship Center. Or, find a bank correspondent in person.

See the numbers from the Relationship Center:

In addition, Cetelem provides an application for you to manage your loan, after hiring. There you can consult the installments and also how much is left to finish your credit.

The C6 Consig Loan is a digital loan from C6 Bank. It was specially designed for retirees, INSS pensioners and federal employees. This is because the installments and the loan amount are connected to the benefit and salary of the clients.

That is, the loan installments are fixed and debited directly from the salary or benefit. In this way, the bank manages to have a certain payment guarantee and can offer much lower rates than on a personal loan.

In addition, the amount that will be loaned by the institution depends on the assignable margin. In this sense, the bank analyzes your salary and sees how much is available for a loan. Normally this corresponds to 35% of salary or benefit.

Finally, when we talk about contracting, C6 Consig has a simple contract. Because the process can be solved internally without having to leave the house. That is, you send your documentation and talk to the consultants to receive an offer.

In general, the Cetelem loan offers several advantages to its customers. In principle, credit offers are personalized. Therefore, it is easier for you to actually be able to afford the loan and not just create a new debt.

This is because when taking out a loan, it is common for some people to end up financially disorganized. This way, Cetelem evaluates your financial history before giving you the offer.

In addition, the rates are much lower than other types of loan. Because in the payroll modality, the installments are debited directly from the salary or benefit. Therefore, the bank already has a guarantee that there will be no default.

Finally, for those who like to solve their financial life face-to-face, Cetelem offers two hiring options. One over the phone, at the Relationship Center. And the other is directly at one of the bank correspondents.

When we talk about advantages of the C6 Consig, the main one is that it is fully digital. Therefore, you can request, simulate, hire, all without leaving home. It is possible to send everything by cell phone or computer.

In addition, the C6 Consig credit analysis is individual. That is, the bank receives your documentation and stipulates rates and deadlines that will work for your financial reality. A loan that really fits in your pocket.

That way, you get the offer and you can plan to not create new debt. By the way, the loan installments are fixed. Therefore, interest does not increase over time.

Finally, for those who prefer to resolve financial issues personally, it is also possible. That's because C6 Consig has several bank correspondents throughout Brazil.

When we talk about the disadvantages of the Cetelem loan, we can mention the fact that it is not digital. In this way, the hiring process can become much slower and bureaucratic.

Also, it might not be as easy to get the information directly over the internet. It is necessary to call the relationship center for questions and requests.

In terms of disadvantages, we can mention that the C6 Consig loan does not offer much information on the website. For example, C¨ does not provide a simulation tool. It is necessary to contact the consultants to simulate.

In addition, the loan is payable. In that sense, it is not available to the general public. Only retirees, INSS pensioners and federal servants can apply for credit and take advantage of this service.

Finally, both loans offer great conditions for their customers. Choosing the best option depends a lot on what your financial priorities are at the moment.

This is because the Cetelem Payroll Loan, for example, cannot be requested over the internet. Therefore, some people prefer to resolve issues over the phone or in person, others prefer to resolve everything over the internet.

In that sense, the C6 Consig is a digital 100% loan. In addition to having personalized credit analysis. That is, it takes into account your entire history when stipulating rates and payment terms.

Therefore, it is necessary to sit down and reflect on each of the credit conditions. To continue helping you, we are going to show you another option for payroll. Get to know the Pan bank payroll and its advantages over C6 Consig!