It is not always easy to understand which loan is best for you. Therefore, today we are going to help you choose between a Caixa Consignado loan or a C6 Consig loan. Both are consigned, so they accept a specific group of people.

In short, Caixa Consignado is the payroll loan from Caixa Econômica Federal. In this way, this credit is exclusive to INSS retirees and pensioners. Or, for those who work in a company or agency associated with Caixa.

The C6 Consig loan, on the other hand, is very similar. It is also intended for retirees and pensioners, and has fixed installments. In this way, the deduction of installments is automatic in the salary or benefit, avoiding new debts.

If you are in doubt between a Caixa Consignado loan or a C6 Consig loan, read on! Let's help you.

Starting with the Caixa Consignado loan, it is a great option for those who are negative. Because the credit analysis in the payroll modality is without a guarantor. So you can go through this step more easily.

In addition, the installments are automatically deducted from the salary or benefit. Even if you receive your benefit with Caixa, you may have even more advantages in hiring. But it is not mandatory to receive by Caixa Econômica Federal.

In general, the loan is intended for INSS retirees and pensioners. In addition, anyone who works for a partner organization or private company can also take out the credit. To find out if your company has an agreement, just talk to the HR department where you work.

Therefore, when hiring, you must send all your documentation. Both proof of income and personal documents. With this, the bank can stipulate the amount you can lend and also the interest rates.

Incidentally, the Consigned Cash installments are fixed and paid monthly. Therefore, the installments are deducted directly from your salary or benefit. You can follow this process through the Caixa website or app.

Second, we have the C6 Consig loan. It is designed for retirees, pensioners and federal employees. Therefore, the installments correspond to the assignable margin of salary or benefit.

In this way, the bank is able to offer lower rates and longer terms to pay. In addition, the C6 Consig loan is completely online, that is, the entire hiring process is resolved without much bureaucracy.

Still talking about the contracting process, C6 Consig offers personalized rates for each client. In this sense, you take your documentation and they stipulate an amount compatible with what you can pay.

All this with fixed installments, which do not increase over time. Incidentally, the loan is paid through boletos. Therefore, it is very important to be careful not to fall into scams. And end up paying some fake boleto.

At first, the advantages of the Caixa Consignado loan are very good. This is because it is a credit with a financial institution with a lot of credibility. In this way, you can have face-to-face support to resolve loan issues.

Therefore, benefits are automatically deducted from your salary or benefit. That is, you don't have to worry about payment date and you didn't forget to pay. A great option to avoid new debts.

Another advantage is that the Caixa Consignado loan does not have a guarantor. As it is in the payroll modality, the bank already has the necessary guarantee. In this sense, your credit becomes available in less time than with other loans. 

By the way, the amount of the loan installment does not exceed 35% of your salary or benefit. That way, there is no way to get even more indebted and not be able to pay the credit you contracted.

In summary, the C6 Consig loan has several advantages. For example, the loan is completely digital. Therefore, it is possible to solve all the steps without leaving your home. All via mobile or computer.

That is, you just need to gather your documents and proof of income and send them scanned to the bank. From there, C6 Consig performs a simple credit analysis without much bureaucracy. In fact, the process is much faster than in other institutions.

In addition, in the payroll loan, the bank has a certain payment guarantee. Therefore, it can offer much lower rates. And this is the case with the C6 Consig. In fact, the fees are based on your income and your assignable margin.

Finally, for those who still like to have some face-to-face support, you can rest assured. C6 Consig has banking correspondents spread throughout Brazil. In this way, it is enough to go to the nearest correspondent to resolve any outstanding issues.

When we talk about disadvantages of the Caixa loan, we can mention the fact that it is a traditional bank. This is because many people currently prefer to take out credit modalities in digital banks.

Because, in these cases, the process can be simpler, faster and even less bureaucratic. Even because, at Caixa, it is necessary to go to an agency to resolve some loan issues.

In terms of downsides, C6 Consig doesn't offer much information on its website. This is a negative point, as we are talking about a digital loan. Therefore, the ideal is that the information is clear on the internet.

In addition, unfortunately C6 Consig does not provide the loan simulation on the website. For this, you need to contact one of the consultants. After submitting their documentation, they are able to simulate a proposal.

Finally, to choose between Caixa Consignado loan or C6 Consig loan, it is necessary to raise a list of pros and cons. In that sense, you should think about the pros and cons of each one in relation to your financial life.

For example, the Caixa loan offers a more traditional service from a physical financial institution. However, it has excellent conditions for agencies and companies associated with payroll loans.

C6 Consig, on the other hand, is a digital loan, easy and fast. Everything is done without you having to leave your house, and without bureaucracy. In that sense, it also has great advantages. Therefore, you must consider what is important to you.

Therefore, if you are still in doubt, let us show you two other loans. Continue reading and find out about the Agibank loan and the Santander loan!