Nowadays, it is almost impossible for someone who has not heard about digital banks and their free banking services. Names like Nubank, C6 Bank and Neon have even become part of a reality, but, among them, there is one that stands out: Banco Inter. This is because it is the first in the digital universe to have an IPO. Understand more about this financial institution and learn about the payroll loan from Banco Inter.

Before talking about Banco Inter's payroll loan, the focus of this text, how about we talk more about this digital bank? After all, to get money from an institution, you need to know it in depth and know that it is not a nameless company in the market. Don't forget that we are dealing with your financial life, okay?

Founded in 1994 under the name Intermedium in the city of Belo Horizonte, capital of the state of Minas Gerais, Inter was created to revolutionize the digital banking scenario. In fact, in April 2018, one year after the brand was renewed, the financial institution announced the IPO on B3, becoming the first in the market to carry out the IPO, and today its value reaches the impressive number of R$16, 4 billion reais.

In July 2019, Inter carried out a follow-on offering of shares in which it raised more than R$1.2 billion and brought in an important strategic investor: SoftBank. This tremendous success undoubtedly brought good results to the digital bank, which currently has more than 8,500,000 customers in Brazil, making it the second largest in the field and second only to Nubank, a pioneer in the market.

Now that you know Banco Inter a little more in depth and noticed that it is a serious financial institution – after all, it is not just any company that has public capital, it is now time to learn more about one of its best products . Pleasure, payroll loan from Banco Inter.

About this type of credit, one of the first things you need to keep in mind is that the payroll loan has its installments deducted directly from the customer's payroll. With this, interest rates are greatly reduced, since the bank does not run high risks of default.

The second important piece of information is that, unfortunately, the Banco Inter payroll loan is not available to everyone. As the discharge of the debt is carried out directly on the salary or benefit, it is necessary that the digital bank has a partnership with the institution where it works. In this case, these are:

In addition, there is also the Consignado Empresa. It, in turn, allows employees of private institutions to also be entitled to a payroll loan from Banco Inter. For this, you would have to check with the HR of the company you work for to verify the information.

In addition to what was said earlier, other relevant information that you need to know about the Banco Inter payroll loan is about its advantages. Are they:

With rates starting at 1.30% per month, the Payroll Loan from Banco Inter has the lowest interest rate compared to other types of credit, such as Overdraft, Revolving Credit Card and Personal Loan. As already mentioned, this is explained by the fact that the debt is settled directly on the payroll or on the INSS benefit. Consequently, the bank's probability of not receiving the agreed amount reduces considerably, and therefore it is not necessary to overcharge its customers.

To make the Inter bank payroll loan even better, it is fast, easy and uncomplicated. For example, you can simulate and take out your credit without leaving your home, releasing the money in up to 3 days, as the process is completely online. Oh, and in the simulation, just inform how much you need or how much you want to pay per month. Ready! That simple.

With the Inter bank Payroll Loan, you can contract amounts between R$ 1 thousand and R$ 240 thousand, according to your consignable margin. For those who don't know, this margin prohibits your debt installments from exceeding 30% of your salary. And the best: installments can be made in up to 96 installments. That is, they are values that really help you and that fit perfectly in your pocket.

Until now, the loan benefits were excellent in their own right. But there's still more! Did you know that those who are negative are also entitled to credit? So it is! This is because the digital bank does not carry out the traditional consultation with the SPC and Serasa. Wonderful, isn't it? This is certainly one of the biggest benefits of the Inter bank payroll loan.

Inter is so concerned about its customers that it even created special conditions during the pandemic. During this period, the digital bank increased the deadline for paying invoices for people who have complications in receiving their salaries. But just one detail: each case will be subject to analysis and approval. Even so, this advantage is really the great differential of the financial institution.

Reading this text, you already understood what Banco Inter is, noticing that it is, in fact, a serious company, understood your payroll loan and discovered what its advantages are. Now, you just need to know how to apply for a payroll loan from Banco Inter. May it not be for that! Just click the button below and you will have all the information you need. Good reading!