If you are in doubt between a Banrisul Consignado loan or a C6 Consig loan, this post is for you. Today, we will show you all the details about both consignado loans.

In addition to discussing the advantages and disadvantages of each one, Banrisul Consignado is an option linked to a physical bank. Therefore, it may be a better option for those who have not adapted to online financial services.

C6 Consig offers all the services of the payroll loan modality, but online. In other words, you can complete the entire application and contracting process using your cell phone or computer.

To better understand how each one works, continue reading!

First of all, it is important to say that even though it is a traditional payroll loan, Banrisul avoids bureaucracy. Therefore, the credit analysis process, for example, is much simpler.

This way, you don't have to carry a pile of documents or wait for a long time. In addition, the bank also offers the option of doing the entire process online. In other words, sending the documents digitally.

The Banrisul Consignado loan has fixed installments and automatic deductions from the payroll. With this, the bank is able to offer much lower rates than in personal loans.

This happens because the bank already has a guarantee that the installments will be paid. That is, that there will be no default. Therefore, a payroll loan is ideal for those looking for low rates and long payment terms.

In summary, Banrisul's loan rates range from 1.60% to 1.80% am With up to 84 months to finish paying off the loan. When we talk about the public accepted for the loan, it is available to:

Finally, the Banrisul Consignado loan application can be made through the bank's website or app. In addition, you can also apply for the consigned loan in person.

Now let's talk about a payroll loan focused on online. The C6 Consig loan was created exclusively for retirees, INSS pensioners and federal employees. 

Due to the security of the loan option, C6 Consig rates are personalized. In this sense, you bring your documentation and the bank sets rates and values that are accessible for your financial reality.

Furthermore, the C6 Consig installments are fixed and do not increase over time. This means that you do not run the risk of not being able to pay back the loan later on. In fact, the payment of the installments is a little different.

In other words, C6 charges installments via payment slips. In this sense, it is essential to be aware of possible fraud with payment slips. For example, paying a fake payment slip.

Initially, Banrisul Consignado has several advantages. First of all, we can mention the ease of credit approval. This is because the analysis does not require guarantors or other forms of proof.

Since the loan is payroll-deductible, the benefit or salary alone are sufficient proof of income for the bank. Therefore, when you submit your documentation, the bank analyzes your payroll-deductible margin. 

This way, you can understand which rates are best for you and also how much you can borrow. By the way, for those who prefer, Banrisul also offers a payroll credit card.

Another advantage is that the loan is available to both current and non-current account holders. In other words, you do not need to have a bank account to apply for a loan. 

In this sense, any INSS beneficiary, public servant or private company employee can apply. But don't forget to confirm whether the institution where you work really has an agreement with Banrisul.

Finally, Banrisul also offers loans to those with bad credit. As we have already mentioned, the payroll loan category opens this door, as it already has an established guarantee. Therefore, this credit is a great option for those who are in debt.

The C6 Consig Loan has several advantages for its customers. First of all, the fact that it is a digital loan is a good advantage. This is because you can resolve everything via your cell phone or computer. Without even having to leave your home.

This way, you submit all your documentation online and the bank will also provide you with the answers via your cell phone or computer. Furthermore, a digital process takes much less time than an in-person process.

Furthermore, C6 Consig offers much lower rates to its loan customers. This is because the installments refer to the loan margin of retirees, pensioners and federal employees.

In other words, the bank already has a certain guarantee of payment and does not need to worry about default.

Although this loan is digital, C6 has banking correspondents throughout Brazil. Therefore, if you need to ask a specific question or solve a problem, just go to the nearest correspondent.

One disadvantage of a Banrisul loan may be its location. This is because Banrisul is a bank in Rio Grande do Sul. Therefore, it may be a little difficult to obtain credit if you want closer service and are from another state.

However, as some parts can be formalized online, even people from another state can apply for the payroll loan.

When we talk about disadvantages, we can say that the C6 Consig website is a little incomplete. For a fully digital loan, the ideal would be for the information to be clearer on the website.

Additionally, simulation via the website is not available. To perform a simulation, you must first contact the C6 team. This may make the application process a little more difficult.

Finally, choosing a loan is a difficult decision. Therefore, if you are in doubt between a Banrisul Consignado loan or a C6 Consig loan, the ideal is to review the advantages and disadvantages to understand the best option.

It is worth remembering that the Banrisul loan is a great option for those who are in debt. It accepts people with bad credit and has a very relaxed credit analysis, when compared to other financial institutions.

C6 Consig is ideal for those looking for an online loan without bureaucracy. In fact, everything related to credit can be resolved via your cell phone or computer.

So, just review the conditions and decide. In the meantime, we will introduce you to two more loans. Continue reading through the recommended content below and learn about the Zema loan and the Provu loan!