When it comes to borrowing, the indications can change from person to person. After all, each case is different, isn't it? With that in mind, we decided to make the following comparison: Agibank loan or BMG loan? Which one to choose?

So, although financial institutions offer different types of credit, the personal loan is still the most sought after. Even with the highest values of total effective cost, the greatest demand from Brazilians is still for this type of credit.

Due to the highest interest rates on personal loans, we have separated here two financial institutions that offer good payroll loan options to their customers. Since this type offers more affordable credit conditions.

Furthermore, both Agibank and BMG can meet your requirements, in addition to having the benefits of a digital platform. So you can take out your loan safely, without leaving your home.

Well, here you will find the main characteristics, advantages and disadvantages of these two credit options. This way, you save your time and we help you choose the best option for your profile. Let's go!

First of all, it is very common to find ourselves in a position of financial difficulty. For example, when we want to go on a trip or even buy something of greater value. These are common situations where we need extra money in the account.

In this sense, Agibank offers a loan facilitated online. That is, you can apply for this credit without having to leave your home. In addition, they do not consult the SPC and Serasa.

However, the Agibank payroll loan is reserved for retirees, INSS pensioners, military personnel or civil servants.

Therefore, if you are interested in applying for an Agibank loan and fit into these categories, visit the website and do a credit simulation.

Banco BMG offers payroll loans in a simple and fast way. In fact, he serves you online, so you don't even have to leave the house. So, if you are retired, INSS pensioner, private company worker or public servant, you can apply for a personal loan with them.

In addition, he is also a great option for negatives, as he does not consult the SPC or Serasa.

So, if you think this loan is right for you, go to the BMG website and do a credit simulation.

First of all, we can say that the Agibank loan is quite affordable, as this type of loan has lower interest rates.

In addition, Agibank does not consult with the SPC and Serasa, which makes it easier for negatives who need a loan. The bank also offers a good payment term, which can be made in up to 84 months.

Furthermore, Agibank is digital and you can apply online, without leaving your home.

However, it is important to inform you that you must do a simulation before hiring. As well as do a lot of research to make sure this loan is right for you.

At first, we can already say that the main advantage of the BMG loan is its interest rate. It promises one of the lowest rates on the market, if not the lowest.

In addition, he also does not consult the SPC or Serasa, which makes it easier if you are negative or have a low score for personal credit.

In addition, its payment term is also very long, totaling 84 months. And all of this you can request online, without having to leave your home.

Finally, it is important to say that you must research well before taking out this type of loan. This way, you can be sure that you have chosen the best option, with the best rates, before signing the contract.

Well, unfortunately Agibank offers the credit option only to retirees, pensioners, military personnel and civil servants. That is, if you are self-employed, for example, this loan option is not for you.

Although the bank does not consult the SPC and Serasa, it is important to know that the total effective cost (CET) of the loan must be taken into account. So, be careful not to end up getting into even more debt.

So, it is important to say that the BMG loan has some limiting factors. In order to apply for this credit, you must be a pensioner or INSS pensioner, a private company worker or a public employee.

Therefore, the accessibility to this type of loan is limited. This happens because the BMG personal loan installments are debited directly from the customer's payroll or benefit.

Well, if you've come this far, you can already say that both loans are safe and easy to get. After all, both offer the opportunity of credit also for negative ones. This means that credit analysis is done quickly and simply.

Unfortunately, however, both the Agibank loan and the BMG loan are only available to a select group of people. To apply you need to be retired, pensioner, military, private company worker or public servant. So, if you fit these conditions, look for which of the two banks best suits you in terms of the loan amount and the interest charged.

Although Banco BMG does not inform the maximum loan amount, it promises to have the best interest rate on the market. This can make your life easier when paying the installments.

Therefore, before signing up, make a simulation and be sure that the installments will fit in your pocket. This way you will avoid delays and end up getting even more indebted!

Furthermore, if you still have doubts about which loan to apply for, read our recommended content and learn about other credits available on the market.