Choosing the best loan is not an easy task. You have to think about many things like interest, amounts, etc. That's why today we're going to help you decide between a BxBlue loan or a C6 Consig loan.

BxBlue is a platform that has several partners and offers the best credit conditions on the market. Therefore, you can compare different interest rates and different terms.

C6 Consig is C6 Bank's payroll loan. In that sense, they offer a digital 100% loan with rates tailored to your financial reality. In addition to lower rates than common lines of credit.

In this way, we will show you all the pros and cons of these two payroll loans. Continue reading to find out more.

In general, like most payroll loans, BxBlue is intended for INSS retirees and pensioners. In addition, the loan is also available for civil servants. Both federal, state and municipal.

By the way, BxBlue also offers payroll loans to workers with a formal contract in private companies. Therefore, the loan is aimed at a slightly broader audience.

As it is an intermediary platform for other companies, you can search for loans from several companies. As a result, BxBlue fees end up being much lower than other credits.

In addition, the installments are deducted directly from the salary and benefit. Therefore, the bank knows that there is a low risk of default. In this way, you can offer much better interest rates.

In addition, BxBlue also accepts negatives. That is, a great option to hire and finally get out of the red.

The C6 Consig Loan is C6 Bank's payroll loan. Therefore, it is intended exclusively for retirees, INSS pensioners and federal servants. Incidentally, the credit amount is always proportional to salary and benefit.

This is called assignable margin. That is, the amount that each one has available to convert into a loan. Because the installments are automatically debited from the INSS salary or benefit.

In this sense, installments are fixed. As well as interest rates. Therefore, they do not increase with time. That is, a great option for those who want to use the loan to pay off debts.

In fact, C6 Consig performs a personalized credit analysis for each customer. In this way, interest and installments are stipulated according to what you can afford. In order not to have a loan that further increases your debts.

Finally, taking out the C6 Consig loan is very simple. That's because the process can be done completely online. Just contact the team of experts and send the necessary documentation.

When we talk about advantages, BxBlue has some good conditions for its customers. First, we can mention that the loan is available for negatives. Therefore, you can hire even if you are in the red.

In addition, BxBlue is completely online credit. In this way, you avoid various bureaucracies such as long queues at banks. Also, because it is online, the whole process is resolved from your home and much faster.

BxBlue also offers payroll loans without the need for a guarantor or collateral. This happens because the installments are debited directly from the salary or benefit. Therefore, the bank has a greater guarantee of payment. 

By the way, speaking of installments, it is worth saying that the installments are pre-fixed. Along with interest rates. All amounts remain the same from the date of hire. That way, you don't get financially disorganized.

To begin with, C6 Consig is a completely digital loan. Therefore, it has no bureaucracy and aims to offer a quick hiring. Therefore, you can apply for both mobile and computer.

In addition, a great advantage of C6 Consig is the credit analysis. Because the analysis is 100% customized. That is, you send your documentation and the bank stipulates an offer that fits in your pocket.

In this way, the installments are fixed and do not increase over time. Thus, you contract your loan without having to disorganize your financial life.

Finally, for those who prefer to resolve financial issues in person, C6 offers this option. In short, the bank has several banking correspondents available throughout Brazil. Just find the agency closest to you.

In terms of disadvantages of BxBlue, we can mention that for those who want a loan directly from the company, this is not an option. That's because BxBlue is just an intermediary that connects you with banks.

Therefore, the paying sources are different. However, this does not make the service unreliable. It's just a personal question to be thought through by each person or family.

C6 Consig has the disadvantage of not having much information on the website. For example, interest rates are not announced right away. You need to send your documentation to one of the consultants, to then receive what your fees would be.

In addition, the bank also does not carry out the credit simulation on the website. It is also necessary to contact the bank by phone. All this can delay the application process a little.

Finally, both BxBlue Consigned Loan or C6 Consig loan offer great options for their customers. That way, just consult the two options to understand which might be best for you.

It is worth remembering that BxBlue is a platform that brings together the best payroll options on the market. There, you can take out a loan even if it is negative and without having to go through a guarantor.

C6 Consignado is a digital 100% loan that offers personalized rates for each customer. Therefore, the bank thoroughly analyzes your case and stipulates fees and amounts that fit in your pocket.

Therefore, if you are still in doubt, we will show you two more loan options. See now in this other article the comparison between the Inter Consignado loan and the C6 Consig loan!