Taking out a loan requires planning, especially in the payroll loan modality. Therefore, in today's article we will show you the main differences between the Daycoval loan or the C6 Consig loan.

Both have excellent conditions and are in the payroll mode. Therefore, Daycoval Consignado does not consult either the SPC or Serasa. Like all payroll, the installments are deducted directly from the payroll.

While C6 Consig is a fully digital loan offered by C6 Bank. In addition, with this credit, rates and terms are analyzed individually. That is, the bank understands your reality to offer you a loan that fits in your pocket.

So, read on to find out which option is best for you. Let us help you choose between a Daycoval loan or a C6 Consig loan.

In principle, the Daycoval Payroll Loan is very similar to the others in the category. That is, the installments are debited directly from the benefit and are fixed, with much lower rates.

But in the case of Daycoval, the bank accepts not only retirees and pensioners, but also civil servants and the military. In this case, the conditions vary slightly according to each category. Check it out:

For those who are retired or pensioners of the INSS, the Daycoval bank offers excellent conditions. In general, the installments are fixed and can be paid in up to 84 months. Incidentally, the benefits are deducted from the benefit of the retiree or pensioner.

In addition, Daycoval does not consult the SPC or Serasa when carrying out the credit analysis. This makes the loan contracting process much faster and without bureaucracy.

For those who are public servants, the loan works in a similar way. This is because the installments are also fixed and deducted from the payroll.

In addition, the rates are competitive and defined based on the salary and reality of each one. As well as the payment term, which can be much longer, as it is a payroll loan.

The Payroll Loan for military personnel is intended for those in the Army, Marina and Air Force. In this sense, the money is released on time, with rates much lower than those of the market.

Incidentally, the loan for armed forces is what offers the longest repayment term. Because you have between 12 and 96 months to finish your credit payment.

Second, we have the C6 Consig loan. This credit is fully digital and designed exclusively for retirees, pensioners and federal employees. Therefore, the amount of the loan and the installments are linked to the benefit and salary.

That is, the installments are debited from the benefit of each one. In addition, to understand the loan amount, the bank checks the assignable margin. That is, how much of the salary or benefit is available for loan.

In addition, the loan installments are fixed. That way, they don't increase over time. Therefore, the C6 Consig is a great option for anyone trying to pay off debt or get out of debt.

Finally, talking a little about the hiring process. It is very simple, since everything can be solved over the internet. You send your documentation and one of the specialists already sends you a credit offer.

In short, one of the main advantages of the Daycoval Payroll Loan is that it caters to different audiences. Most payroll focuses on retirees and pensioners, but Daycoval also includes civil servants and the armed forces.

Also, the interest rates on this loan are much lower. This happens because the installments are debited directly from the benefit or salary. Therefore, the bank already has a certain payment guarantee and does not need to throw interest rates high.

For those who are negative or in debt, no need to worry. Daycoval Consignado does not consult the SPC and Serasa when carrying out the credit analysis. Incidentally, this makes the loan contracting process much faster.

The main advantage of C6 Consig is that it is a fully digital payroll loan. That is, all stages of the process, from requesting and hiring, can be done without having to leave your home.

In addition, C6 Consig's credit analysis is individual and personalized. Therefore, when you send your documentation, the bank can stipulate specific rates and deadlines for you. In other words, a loan that fits in your pocket.

Even after being stipulated, the installments are fixed and do not increase over time. That way, you can plan yourself financially without running the risk of default or creating a new debt.

C6 Consig is a digital loan, but for those who prefer, it also has face-to-face assistance. Just go to one of the bank correspondents throughout Brazil!

When we talk about the disadvantages of the Daycoval Payroll Loan, it is that it is not available to anyone. That is, to take out this credit, you must be included in one of the stipulated groups.

Therefore, only retirees, INSS pensioners, civil servants or armed forces personnel can apply for a loan. Mainly because these institutions have an agreement with the bank.

In general, the main disadvantage of C6 Consig is that it does not have a lot of information available on its website. As it is an online loan, the expectation is that everything is clear on the online portal.

Furthermore, there is also no simple credit simulation tool. To simulate an offer, you need to contact a consultant and send your initial documentation. 

Finally, both the Daycoval Consignado loan and the C6 Consig have excellent conditions. When choosing the best option, you need to reflect on what your priorities are in a loan.

With Daycoval Consignado, you have up to 96 months to pay and rates much lower than those on the market. In addition to fixed installments that are debited directly from the benefit or payroll.

C6 Consig stands out for being an online payroll loan. That is, both contracting and loan management become much less bureaucratic. In addition, the bank performs a personalized analysis for each client.

So evaluate your options and decide which option is best for your financial life. To continue helping you, we will show you the comparison of C6 Consig with Banco do Brasil's payroll. Read more and find out!