When it comes to financing your work, there are many different options available. So with Balaroti Financing or Leroy Financing, this can be easier. That's because both have their pros and cons. 

In short, both Balaroti and Leroy are construction shops. In this way, your financing is focused especially on the materials of your work. However, the stores also have other items such as decoration and landscaping.  

In this article, we'll compare the two loans and help you decide which option is best for you. Check out!

First of all, Balaroti is a construction company that has stores in several states. In fact, it is one of the most important stores in the field of construction materials in Brazil. Therefore, the stores sell building materials, decoration, plumbing, and much more. In the case of the Balaroti card, it can be used for purchases at the Balaroti store or at other stores.

In this sense, the card is a partnership with Banco Cetelem. For this reason, it is possible to use the card in several establishments. But in Balaroti stores it has several advantages that we will mention later on. That is, you can use the Balaroti card at any store that accepts Visa or Mastercard.

Therefore, it is still not possible to apply for your card directly with Cetelem. It is still necessary to go to the nearest Balaroti store to make the request.

Leroy Merlin is a chain of construction stores. Therefore, the company has stores throughout Brazil and in 11 countries abroad. Although it is best known for the construction business, the store also has home decor and gardening items.

In short, Leroy Merlin's funding is very similar to Balaroti's. This is because it can also be done through the card modality. Therefore, the Celebre card is a good option for anyone renovating or decorating their home. By the way, it offers 45 days to start paying the installment. In addition, installments can be made in up to 36 fixed installments. Furthermore, as it is a Mastercard branded card, the card is part of the Mastercard Surpreenda program.

Furthermore, if your focus is on making purchases only at Leroy Merlin, the card even offers extra credit. But remember that financing is subject to credit approval and annuity payment. Therefore, it is important to understand all the conditions of the card before hiring the product.

Finally, if you want to apply for the card, you must go to a Leroy store. Therefore, just go to the nearest store with an identification document and proof of residence. In this sense, after the request, it is enough to monitor the expenses and the invoice through the Banco Cetelem application. In fact, even to unlock the card, you need to access the Bank app.

Basically, Balaroti financing is a great option for anyone who is carrying out a work. That's because during construction it's always common to need more material than planned. Therefore, Balaroti offers the line of credit with many advantages to buy in the store. In addition, the network has more than 50,000 products available. In this way, your construction products are guaranteed and expenses too.

Also, a big plus is the additional limit for buying in Balaroti stores. That is, if you are in the store and the purchase exceeds the value, no problem. Basically, all you have to do is request a limit increase and your work will continue as normal. 

Furthermore, as already mentioned, Balaroti funding can be monitored per application. Due to the partnership with Banco Cetelem, card management is much easier. After all, that's where you can print the duplicate of the invoice, check the limit and much more.

As well as Balaroti, Leroy Financing also offers exclusive conditions for those who want to buy at the Leroy store. For example, exclusive discounts on purchases at Leroy stores and an additional limit on purchases.

In addition, the card offers a limit to be used inside and outside Leroy Merlin. But to buy in Leroy stores, there is an additional limit to be used. Incidentally, the card offers 45 days to start paying. 

In addition, the Leroy card offers the withdrawal option. Unlike the withdrawal card, here there is still the possibility of having the value in cash. That is, if you contract the card, you can also withdraw the credit amount. To request it is very simple, just access the Cetelem app or even at Saque24horas ATMs.

Finally, like the Balaroti card, the Leroy card is also from the Cetelem bank. Therefore, the bank application is available to you. By the way, it makes it much easier to monitor your expenses there. In addition, it is possible to consult the best day for purchases, find out the day to pay the invoice, and even request a duplicate. In the application it is also possible to request contact with Cetelem in case of any doubt.

In general, if you are looking for financing, this is not the case with Balaroti. Therefore, the main disadvantage is the fact that it is a credit card. In this way, the card has many pros and cons. For example if you need the money to hire services. Because not all professionals work with card payments.

Also, the Balaroti card is not that easy to get. In this sense, to apply, you cannot have a dirty name and still have a minimum income. By the way, the credit analysis is carried out both by Cetelem and Balaroti.

Unlike Balaroti Financing, with Leroy Financing it is possible to make personal loans and withdrawals. In this way, some services of your work are not compromised. However, when it comes to credit analysis, Leroy's can be very thorough. In addition, it does not accept negatives. 

In addition, the contracting of this financing has fees. As well as the account maintenance fee. In addition, it is essential to pay attention to interest rates, because depending on the case, they can be very high.

Finally, now that you know both, it's time to decide: Balaroti Financing or Leroy Financing? In that sense, a lot depends on your intentions with financing. Mainly because the two credits are very similar, as they even have an agreement with the same bank. So sometimes it's worth applying to one of them and if it doesn't work, move on to the other. Another factor to consider is the proximity to your residence. That is, think which store is closer to your region.

In addition, we will show you more financing to help you choose. Read on!