With unemployment in Brazil, it is increasingly common to find families and people in debt. In this sense, many people get into this situation for not paying their credit card bill or loan installments. But if all the money goes into bills, how can you save it to pay off the debt? The solution for many is to take out a new loan. Therefore, for this you need to find loan companies for negatives. And today we're going to help you with that! Continue reading and discover 7 options.

First of all, it is important to say that finding the best company depends on several factors. For example, your payment terms, interest rates and also your objective with the loan. Read more and see the ideal option for you!

In principle, Sim's loan has two types: unsecured personal and vehicle secured. In this sense, with the personal loan, you can borrow up to R$30 thousand. And you only pay the first installment in 45 days. In addition, interest rates start at 2.16% per month.

Already with the loan with vehicle guarantee, the rates are lower. Mainly because the bank already has a guarantee to offer you the loan. Therefore, you can request up to R$150 thousand or 90% of the car's value. 

Speaking of yet another loan company for negatives, we have SuperSim. In addition to accepting negatives, the loan is also online and completely free of bureaucracy. In fact, the loan is so fast that it appears in your account 30 minutes after taking out the loan.

In this regard, the entire process can be resolved 100% online. Furthermore, you can apply for loans from R$500 to R$2,500. Thus, the term to pay is between 4 to 12 months. In addition, SuperSim has the highest approval rate on the market.

In short, Bom Pra Crédito is a loan simulation platform. That is, with it you can have the offer of several institutions at the same time. In this way, it is very good for those who are still not sure about the company and are in doubt.

Incidentally, this loan company is the first to offer the service in Brazil. In this sense, to simulate it, just fill in the CPF, the full name and the requested amount. After that, in 5 minutes the platform already gives you some credit options to choose from.

In short, BMG's personal loan is focused on those who don't have payroll margin. Therefore, it is an emergency loan. Incidentally, it is also exclusive to retirees, pensioners and civil servants. In addition, the money is released quickly and falls into the account within 24 hours.

In this sense, the amount released depends on the value of your benefit. As well as the interest rates stipulated by BMG. Finally, to hire one, you can call 0800 724 3070 or go to a Help store.

At first, Crefisa is very renowned when we talk about loans. It even offers payroll loans. That is, exclusively for retirees, pensioners and civil servants. In this way, the credit is 100% online, fast and without bureaucracy.

Therefore, in addition to offering loans for negatives, Crefisa can be a good option. This is because the payroll has much lower rates compared to the market.

Cashme offers several types of loans. Incidentally, an exclusive modality for those who are negative. However, even in this option, it is necessary to have the guarantee of a property. In this way, the institution can offer much lower rates.

Therefore, the loan can be requested by retirees, pensioners, civil servants, individuals and even companies. Otherwise, fees are around 0.89% per month + IPCA. The grace period to pay the first installment is up to 12 months.

In summary, Serasa eCred is yet another loan search platform option. That is, you select the amount and how long you want to pay and you are faced with several credit offers. Therefore, interest rates start at 0.99% per month.

The deadline for payment depends on the institution you choose, and can be up to 48 months. The bright side is that you will already filter the institutions based on the term you can pay. Therefore, it is very worthwhile to have all this thought through before making the request.