Firstly, the Creditas Reforma loan is a line of credit designed for those who want to finance the renovation of their home or business establishment, but do not want to go through all the bureaucracy of traditional means of borrowing on the market.

So, do you want to know more about the Creditas Reforma loan? Let's go!

Creditas offers two modalities for this line of credit: loan with property guarantee or loan with vehicle guarantee.

The loan with a property guarantee, also known as home equity, gives the customer the option of requesting up to 60% of the value of the property in the loan, as well as a longer payment period for the installments and monthly interest rates starting at 0.79% + IPCA .

Likewise, the loan with a vehicle guarantee, also known as auto equity, offers the customer the option of requesting up to 90% of the value of the vehicle, but with a shorter term for repaying the installments (up to 60 months) and with interest rates slightly higher (from 0.99% per month).

Done 100% online through the Creditas website, you just need to do a simulation by informing the desired amount, as well as your full name and e-mail. Then, after the simulation, the credit analysis takes place and in case of approval, a financial consultant contacts you via email to offer you the best proposal.

Soon after, if the proposal is accepted, just sign the contract and wait for the money to fall into the account. It is worth noting that the method of payment is monthly through bank slip.

Well, the limit may vary according to the property or vehicle used as collateral. That is, if a property is used, the values range from R$ 30 thousand to R$ 3 million. However, if you prefer to use your vehicle as collateral, the amounts vary between R$ 5 thousand and R$ 150 thousand. So, it all depends on the assessment of your asset that will be made by Creditas.

In principle, the Creditas Reforma loan is a very attractive option for those who need to finance a renovation quickly and safely. However, every line of credit has advantages and disadvantages, doesn't it? We'll talk about some of them below.

If you have a property or vehicle, as well as financial planning and a good income, this may be the ideal loan for you.

Creditas' service is personalized and customer-focused. So you have all the information you need before making a real decision. As well as you can assess whether the loan is the best solution for you.

However, as it is a loan in which you use a good as collateral, you must be sure that you will be able to afford the monthly amount of all installments. Because despite being the last option for the institution and because it is a costly and time-consuming process, you can lose the good if you do not make the payments.

From now on, the entire process is done digitally and 100% online. So, you need to access the official Creditas website and check which secured credit option is ideal for your financial situation.

After choosing the best option, you need to do a credit simulation, in which you inform the amount you need, in addition to filling in your full name and email. You will then need to provide your data, as well as information about the property or vehicle for the credit analysis.

Finally, if your request is approved, a Creditas financial advisor will contact you via the registered email or telephone number to provide all the necessary information. In addition to the documentation that will be required to proceed with your request. 

So, do you believe that the Creditas Reforma loan is the ideal line of credit for you? See more details on how to request it in the recommended content.