With so many options on the market, we know how difficult it can be to choose a loan, right? Therefore, check out this comparison between the Certo Agreement loan and the Itaú loan!

Ordered over the internet, both promise immediate approval, in addition to good payment terms. Therefore, do not worry about high installments: it is possible to simulate before hiring.

 The difference is in the credit analysis. Since the Itaú personal loan is not for negatives, some options on this platform are. That is, in addition to having the list of negotiations, have the way to get out of the red with a high value available.

In one, the negative customer accesses the Agreement Right platform. In a few minutes, the survey of debts directs you to good negotiations. 

Itaú personal credit, on the other hand, is for people with a clean name. Do the simulation on the website, then wait for the credit analysis. This option is also used by non-account holders.

So, know the advantages, disadvantages and information of both. Use the tips to choose the ideal one!

First, the Agreement Right platform is one of the most reliable on the market. Created in 2013, it was bought by Boa Vista after thousands of agreements. That is, it is a debt negotiation website.

However, it offers chances for debts to be paid off. The first step is to register. In other words, your CPF will lead to the list of debts. Right there, make agreements and decide on installments.

However, the chances of loans appear in the same list. So, be directed to the partners' website, they are: Jeitto, Banco BMG, Digio, Geru, Simplic, Mercatório and Rebel.

To clarify, the platform itself does not offer loans. In other words, it depends on the partners for the proposal to be made. It is on the website of these companies that the simulation is carried out.

Finally, this is a chance for negatives to settle their debts. However, you must register and evaluate the negotiations!

Knowing that Itaú bank is one of the largest financial institutions in the country, it offers several loans. We highlight the personal credit for non-account holders, which is contracted by the site.

In this case, do the simulation on the website and wait up to 3 business days for approval. After that, the money falls into the account after another 3 days. 

This modality is available to anyone over the age of 18, whether or not they have a current bank account. Even those who have an Itaucard card can apply.

It is important to highlight that there is a credit analysis. Therefore, restrictions decrease the chances of approval, regardless of whether you are an account holder or not.

In addition, have a longer period to start paying, if you happen to be an account holder. Regarding the amount of installments, non-account holders can divide it up to 24 interest-free installments!

Primarily, the platform indicates the best loan partners. So, even if you register, you will not have any financial relationship with her. Which is very beneficial.

Unlike other platforms, this one lists trades in less than five minutes. Convenience makes transactions complete in minutes. In addition, even with a period of ten days, compensation does not exceed 48 hours.

Finally, this may be the only chance for negatives to clear their name. Since it is one of the only platforms to offer credit, it is worth checking out the proposals!

First, it is advantageous not to have to open a bank account to apply for the loan. It certainly has an attractive interest rate, as we will show in the example below.

Namely that the request was R $200.00, for example. In the end, with a maximum rate of 7% per month, the final value will be R $235.04. 

That is, paying installments of only R$58.76, the difference between the initial and final value is not abusive.

In addition, if you happen to be an account holder, you will have 90 days to pay the first installment of the personal loan. We also highlight that when you have a credit or overdraft limit, you can increase the requested amount!

First of all, credit is not provided by the platform. But yes, by the aforementioned partners. That is, the number of offers is limited.

While the CPF is analyzed, proposals may not appear. Mainly, when there are many restrictions in your name. In this case, companies understand that under no circumstances can this customer be a good payer, as he accumulates a high number of debts.

Finally, pay attention to the trades offered. It may be that some are not advantageous, with high and time-consuming installments. Pay attention to the down payment time, which can take depending on the company!

Like other large banks, Itaú does not usually approve loans for bad debtors. Therefore, the request is rigorously analyzed, in addition to the score, financial history, old debts and good payer potential!

Likewise, account holders have more advantages. This is because there is no long term to pay installments when there is no checking account. What also draws attention are the release deadlines.

Even with a clean name, it may take 6 business days for the request to be completed. That is, there are three business days for credit analysis, and another three for the money to fall into the account. If you happen to need money urgently, this will not be the option.

Finally, did the information help you decide between the Certo agreement loan or the Itaú loan?

In summary, request both online and without leaving home, wait for the money to drop into your account. Also, get good deadlines for payments.

However, there are differences to be highlighted. If you choose Itaú, you will be able to consult your financial history. So, negatives have little chance of being approved.

On the other hand, the loan through the Agreement Right platform behaves differently. Since proposals for negatives are possible, the approved money guarantees discharge of debts!

So, the tip is to assess the financial situation, priorities and what amount is needed at the moment. In the same vein, request the ideal!

If the decision is still difficult, we'll help you! While reading this post, we prepared another interesting comparison. In it, see loans for negatives, chances of immediate approval and high limit. Keep with us!