Often, needing to borrow money means having to visit several banks and financial institutions in search of the best service. We waste time and money looking for the ideal credit or financing, comparing interest rates and services. And everything gets more complicated if we have a negative credit history, right?

With all this in mind, Serasa has launched a new platform that promises to simplify and optimize obtaining credit in the market: Serasa eCred. It promises to make our lives easier when it comes to obtaining personal credit or even credit cards. All of this for free!

Want to know more about this platform? Then keep reading and check it out!

First of all, Serasa eCred is an online platform that works as a virtual shopping mall for loan and credit card offers. With it, you can search, compare and choose between various financial institutions without leaving your home. This makes it easier to borrow money.

On this platform, you can do all your simulations online and the responses to your proposals are quick and secure. Just access Serasa eCred and answer a few questions so that Serasa Consumidor knows exactly what you are looking for.

In addition, you need to have previously registered with Serasa, which you can do with your CPF number and some personal information.

Then, you just need to update your profile to see if there are any credit offers available for you. On the platform, you can also see your chances of credit approval, which can be low, medium or high.

Initially, Serasa eCred has several partner institutions on the platform. To access all the options offered, you need to access the website and register your CPF and personal information such as full name, date of birth, email address and password.

Next, you will confirm your email address and then log in to the platform. Then you will answer a few questions so that Serasa Consumidor can understand exactly what you are looking for.

Finally, Serasa eCred will show you all the credit offers that are available to you. Then, you just need to select “Request” on the one that suits you best and run a simulation at no cost. Your request will be analyzed by the platform’s partners and will be quickly returned to you.

Initially, we can say that the main advantage of Serasa eCred is the credibility and security of the platform.

Furthermore, the proposals are transparent and you can know what your chances of approval are: low, medium or high.

Furthermore, Serasa eCred has partnerships with the main banks, financial institutions and fintechs, so you have a lot of variety when choosing your loan, financing or credit card.

This way, you still use a platform that allows you to compare and find the best option for your pocket, with interest rates starting at 0.99% per month. You can compare and do as many simulations as you want. Everything online and free.

The platform also offers money loans to people with and without bad credit. And the credit is guaranteed by Serasa. The money goes into your account, without any red tape.

Although Serasa eCred has many advantages as you saw above, the platform also has some disadvantages and it is important to be aware of them.

Although the platform's list of partners is quite extensive, Serasa eCred does not search all available financial institutions. As a result, you may miss out on a better deal since it does not appear in searches.

Also, some loans that do not require proof of income may have much higher interest rates, and it is important to keep an eye on this when making the proposal.

It is also important to mention that even if your Serasa score is high, it is not a guarantee that your proposal will be approved, as it depends on the policies agreed upon between the partner institutions.

First, we have the most common type, the personal loan. With this, you do not need to use the amount granted for a specific purpose, such as financing a property, for example.

Then we have the payroll loan, which is one of the cheapest lines of credit on the market. In this modality, the loan payment installments are discounted from the payroll, thus bringing lower interest rates.

In fact, to obtain higher amounts and lower interest rates, you can opt for a loan secured by a property or vehicle. As the name suggests, you choose to leave a property or vehicle as collateral for the loan payment. If you want to opt for this option when simulating the loan, simply select “inform property/vehicle collateral” on the website.

Furthermore, if you are interested in acquiring a credit card, the platform also offers this option. Just check if there is an option available for you, with just a few clicks.

In addition, Serasa eCred offers the option of a prepaid card. This card is a financial product without an invoice where you can top up the amount you want to use. Therefore, it is an interesting alternative for those with bad credit, who generally have more difficulty getting credit approval. Are you still unsure whether Serasa eCred is right for you?

So, see below some credit options that can help you get a loan through Serasa eCred.

So, Bcredi has incredible personal credit options, all online. In addition, it offers loans without bureaucracy and great payment terms. Check out more information below.

Well, Lendico is another digital 100% credit option. It offers great payment terms and low interest rates. Check out some of its features here.

Credifaz promises one of the lowest interest rates on the market. In addition, it has credit options for both companies and individuals. Its credit analysis is simplified and has different types of credit. See some information below.

First of all, Geru is an online platform created to offer online personal loans to those who need urgent credit. Its credit analysis is simple and fast. But don't worry, Geru is a completely safe platform. Check it out below.

Well, having been consolidated in the market for a long time, Banco Itaú also offers loans. And what's better, it has a loan option without checking the SPC and Serasa. In addition, it has simplified approval and quick release of your money. Check out more information below.

Furthermore, if you liked this topic and need more details to understand how to borrow money safely, how about reading our text on this topic? Then, click on the recommended content below and check it out!