A payday loan can be a great option for those who want to get out of debt. Therefore, we will show you Creditas Consignado loan or C6 Consig loan. Both have exclusive advantages for their customers.

In principle, Creditas Consignado is a private payroll loan. In other words, exclusively for employees of companies affiliated with Creditas. As a result, they are able to offer much lower rates and the installments are deducted from the salary.

C6 Consig is intended for INSS retirees and pensioners, as well as federal employees. The conditions are very similar to any other consignment. But with C6 Consig you still have personalized service.

Continue reading to find out which is the best option between a Creditas Consignado loan or a C6 Consig loan.

To start, let's talk a little about the Creditas Consignado loan. In short, this credit is intended for people who work under the CLT regime. Therefore, for anyone who works in partner companies.

As with any payroll loan, the installments are debited directly from your salary. In this way, the risk of default is much lower than in other modalities. Therefore, the bank is able to offer lower interest rates.

With this in mind, a payroll loan is ideal for those who want to pay off debts or use credit to pay expenses. Typically, this line of credit is only offered to retirees and pensioners.

However, Creditas has the distinction of having the exclusive consignment for those who have a formal contract with private companies.

Furthermore, when we talk about rates and payment terms, they are personalized for the client. In short, customers have up to 60 months to pay with interest starting at 1.25% per month.

The C6 Consig loan is designed for retirees, pensioners and federal employees. Therefore, the loan amount corresponds to the benefit of each client. As well as the consignable margin.

In fact, the installments are also debited directly from the salary or benefit. Therefore, C6 Consig rates are much lower and are also personalized. In other words, you send your documentation and they create a plan consistent with your reality.

This way, the installments are fixed and there is no increase in interest over time. For this reason, this is a good loan for those who want to get out of debt or pay their household expenses.

Regarding the hiring process, we can say that it is very simple. Basically, everything can be resolved online. Just send your documentation and talk to C6 experts to request credit.

The first advantage we can mention of the Creditas Consignado loan is the fact that it is exclusive to employees of private companies. This is because the majority of credits granted are only for INSS retirees and pensioners.

In fact, as it is a consigned loan, Creditas Consignado offers one of the lowest rates on the market. The installments are debited directly from the payroll. Therefore, rates start at 1.25% per month. All this with up to 60 months to pay.

Furthermore, the Creditas Consignado loan is 100% online. In other words, the entire request and simulation is carried out via the website and without leaving home. In fact, the loan has no intermediaries. In this sense, the entire process is with Creditas.

Finally, Creditas also offers a specialized customer service. Therefore, you have consultancy throughout the entire process. This is to be able to take out a loan without messing up your financial life.

Speaking of the advantages of the C6 Consig, we can mention that it is completely digital. This way, you can complete the request and contract without leaving home. Whether on your cell phone or computer.

Furthermore, C6 performs a quick and hassle-free analysis. Just gather your documentation and send it scanned. With this, they are able to set personalized rates that are much lower than the market. 

This is because the rates and payment term are based both on your income and your consignable margin. This way, it is possible to have a fair loan that does not mess up your financial life.

Furthermore, another advantage for those who still prefer to resolve their financial affairs in person: C6 has banking correspondents throughout Brazil. Therefore, you can go to the nearest branch to make your request.

In general, a disadvantage of the Creditas Consignado loan is that it is aimed at a specific audience. In other words, only those who work with a formal contract at an affiliated company can apply.

Therefore, other people such as retirees, pensioners and public servants cannot request it. In fact, anyone who has a contract with a private company, but the firm does not have an agreement, is also unable to apply for a loan. 

When we talk about the disadvantages of the C6 Consig, we can mention that the website is incomplete in terms of information. In other words, to carry out the simulation, for example, you need to speak to an expert. It is not possible to simulate on the website.

Furthermore, C6 Consig is exclusive to INSS retirees and pensioners, as well as federal employees. Therefore, it is not possible to request this loan without being included in one of these two groups.

Finally, both the Creditas Consignado loan and the C6 Consig loan have several advantages. To choose the best option, it really depends on the group you are in.

This is because Creditas Consignado is exclusive to those who work with a formal contract in a private company. C6 Consig is intended only for retirees, pensioners and federal employees.

Therefore, it is worth reviewing your conditions to understand the best payday loan option. Furthermore, we will show you two more loan options. So, find out more about the Superdigital loan and the Jeitto loan below!