The BTG personal loan is one of the many financial services that this bank offers to the public. But from it, you can access some interesting advantages.

Therefore, from this loan, you can know exactly all the payment terms before hiring it. Thus, you can better plan financially to pay it off without incurring debt.

Another interesting point about the loan is that it is completely personalized for your financial behavior.

To check out more details about it and find out the main positives and negatives of this solution, just keep reading this article that is full of information for you!

In summary, the BTG personal loan works in a very simple way. It all starts when you create a bank account.

When creating it, the institution will carry out a credit analysis where it will be able to inform you if there is a pre-approved credit for the loan.

So, if so, when accessing the bank's application you can find out the loan amount that the bank has already approved for your profile.

That way, with this information in hand, you can simulate the loan. Thus, you will inform the amount you would like to borrow within what is already approved and in how many installments you would like to pay.

By doing this, the bank will already inform you of the total amount of the credit with interest. That way, if everything is right, you can continue hiring and receive the money in your account in a few days.

At first, when we have to make a personal loan, the first information we look for is in relation to the maximum amount we can lend.

However, in the case of the BTG personal loan, the bank does not provide this information, since the total amount of the limit will depend on each person's credit analysis.

In summary, the BTG bank personal loan can be applied for by anyone who has an active checking account at the bank.

Therefore, it is necessary to be over 18 years old and have a pre-approved credit value to be able to apply.

The BTG personal loan manages to offer very interesting advantages. But to know if it's a really worthwhile option for you, you also need to know its negative points.

Therefore, below we separate for you to check the main advantages and disadvantages of having this credit.

Namely, the main advantage of the BTG personal loan is that it allows you to have all the information about it before taking it out.

At the bank, they call this a planned modality, where by having all the information in hand, you can organize yourself financially to repay the loan.

In addition, the bank allows you time off to start paying off the loan. Thus, with it you can start paying in up to 30, 60 or 90 days.

Finally, BTG allows you to choose the value of the installments, the amount and the due date of the same, in addition to not charging guarantees or requesting the reason for taking out the loan.

That way, you can make the loan more comfortably and that fits in your pocket.

Now, looking at the disadvantages of the BTG personal loan, you need to know that the grace period it offers will depend on your credit analysis.

Thus, although the bank allows you to start paying within 90 days, the official grace period will be defined by your financial profile, which may be less than 3 months.

In addition, to take out the loan, it is necessary to create an account at the BTG bank, since the credit amount can only be deposited in the account of this bank.

In short, the BTG personal loan allows you to access the credit you need and pay it off in a planned way.

And the best thing is that to request it, you just need to access the BTG app and carry out the entire process there!

That way, if you want to know in more detail how this process works, stay with us and check out the following post that shows the step by step to make the request.