Choosing a loan can be a daunting task. Therefore, today we are going to help you decide between a Crefisa loan or a C6 Consig loan. Both are payroll-deductible credit lines, so they have some specificities.

At first, the Crefisa Consignado loan is intended for INSS retirees and pensioners. In addition, the institution also offers credit to public servants. Therefore, the installments are debited directly from the salary or benefit.

C6 Consig, on the other hand, is an online payroll loan, which seeks to make the loan process faster and without bureaucracy. Together, the credit analysis is individual and personalized for each financial situation.

Continue reading and find out which is the best option between Crefisa loan or C6 Consig loan.

To begin with, let's talk a little about Crefisa Consignado. This credit is in the payroll modality. Therefore, it was specially designed for INSS retirees and pensioners.

For this reason, the installments are debited directly from the salary or benefit. That is, the bank already has a certain guarantee of payment. In this sense, it manages to offer much lower interest rates.

In addition, the Crefisa Consignado loan can be paid in up to 84 months. That way, you can apply for a loan to settle debts or day-to-day expenses, without weighing your pocket.

When we talk about contracting, the Crefisa Consignado loan can be requested through the application and also over the phone. That is, you can take out your loan without having to leave your home. Everything can be solved by your cell phone.

The C6 Consig loan is very similar to the Crefisa loan. This is because it is also intended for retirees, INSS pensioners and civil servants. In addition, the credit application can be made without leaving home.

As it is a payroll loan, the installments depend on the payable margin of each customer. That is, the amount available to borrow from salary or benefit. By the way, it is from this amount that the installments are debited monthly.

It is by automatically debiting the salary that C6 Consig can offer lower rates. Because it already has a certain guarantee of payment and does not run so much risk of default. The installments are monthly and fixed, they do not increase over time.

Therefore, C6 Consig's credit analysis allows the bank to stipulate personalized rates for each case. In this sense, you apply for a loan that really fits in your pocket.

Finally, all hiring can be done online. Just contact the team of experts and send your documentation. This can be done both via mobile and computer.

Crefisa Consignado has several advantages for those looking for a good loan. At first, the institution offers a period of up to 84 months to pay, with lower rates due to the modality.

Also, if you want a loan to pay off debts, Crefisa Consignado may be an option. Because you can hire even if you are negative. Therefore, a great option to get out of the red.

For those who are beneficiaries of the INSS, that is, retirees or pensioners, they are still entitled to an additional assignable margin. Therefore, the bank considers 5% more when stipulating its value for credit.

Finally, Crefisa Consignado also offers online hiring. In this sense, you can request either through the Crefisa Mais Application or over the phone. In any case, the idea is to hire quickly and without bureaucracy.

To start with the advantages of the C6 Consig, we can mention that it is 100% digital. Therefore, it is very easy to make the request and also to clarify any doubts. In addition to being a digital credit, the team of experts is always online and available.

Furthermore, the C6 Consig credit analysis was designed to be uncomplicated and without bureaucracy. In other words, to speed up the process even more. Therefore, you only send the scanned documentation and the bank even stipulates personalized rates.

By the way, this is another advantage. The rates, term and amount of loans are individually designed for each case at C6 Consig. With this, you can have a loan that really fits in your pocket.

Furthermore, if you want a face-to-face banking option, you can rest assured. C6 Consig has several bank correspondents throughout Brazil. That is, just go to the agency closest to you.

When we talk about disadvantages, Crefisa Consignado can be bad for those who want to know the interest rates before doing a simulation. This is because the bank only makes the rates available at the time of the request.

In addition, depending on your financial reality, interest rates can be much higher than others on the market. Even so, it is worth making a request and simulating your loan.

Unfortunately, for a digital loan, C6 Consig does not have a very complete website. This is because some information about rates and credit values ends up being missed. 

Considering this is an online loan, this can be a disadvantage. In addition, it is also not possible to do a simulation directly through the website. That is, you need to contact C6, send the documentation and then have an offer.

Finally, both the Crefisa Consigned Loan or the C6 Consig loan are great loan options. Choosing one of them goes far beyond the personal financial reality of each one. That's because the two credits are very similar.

C6 Consig offers a complete and bureaucratic service. In addition to calculating rates and personalized values for each person. Therefore, you can get a loan without going into more debt.

Crefisa Consignado has the credibility of a company specialized in payroll loans. Crefisa also offers the option to apply online.

That way, it's worth putting together the pros and cons of each one to decide. In the meantime, let's show you two more loans. Continue reading and find out about the Inter loan and the C6 Consig loan