In principle, the Agibank loan or Bom para Crédito loan are two good credit line options for those looking for a payroll loan or personal loan. Thus, both have digital platforms so that you can make your request without having to leave your home, with peace of mind and security. 

So, if you are retired, INSS pensioner or just need financial assistance to settle your debts and want to know more about these lines of credit? So, read on and check it out!

First, do you know Agibank? Well, the company is a digital financial institution. However, unlike other well-known fintechs in the market, Agibank also has physical branches if you prefer face-to-face service. 

So, it was with this vision of a differentiated service that fintech created the Agibank loan. A differentiated line of credit for those seeking financial assistance without bureaucracy. 

First of all, it should be noted that two lines of credit are offered: the payroll loan and the personal loan.

In this sense, the payroll loan is offered exclusively to retirees, INSS pensioners and civil servants, and has good benefits. As well as reduced interest rates and flexible installment payments. So, as it is payroll-deductible, the Agibank loan does not consult the SPC/Serasa since the installments are deducted directly from your payroll. 

The Agibank personal loan, on the other hand, is intended for customers who have reached the payroll-deductible payroll margin (around 30%) and wish to complete the desired loan amount. Therefore, the interest rates of this modality are a little higher and the number of installments is also smaller, but it is allowed to discount the installments with direct debit. 

So, if you liked the Agibank loan proposal and want to apply for the credit line, you can do so through the official fintech website.

First of all, Bom Para Crédito is a completely digital and free platform. So, it aims to facilitate customer access to various financial institutions that offer lines of credit, all with just a single registration. 

In this way, it is important to know that the Bom Para Crédito loan does not come directly from fintech. That is, the company works as a banking correspondent and has a partnership with more than 30 financial institutions that offer loans depending on your needs and your financial profile.

In addition, fintech offers some types of credit line, including personal loans and payroll loans. However, the latter can only be requested by those who are retired, INSS pensioners or employees of a private company, but have an agreement with the finance company that offered the loan. 

In addition, to apply for the Bom para Crédito loan, you must access the company's official website and provide some data, such as the amount and number of installments you wish to pay. Then, the credit analysis is carried out and in just 5 minutes you already receive the answer from which financial institutions are available to lend you the intended amount, as well as the installments and interest rates.

First, the most outstanding feature is the reduced fees, which start at 1.2% per month. In addition, the flexibility in the payment of installments also makes this line of credit a great option for INSS retirees and pensioners.

Furthermore, Agibank does not consult with the SPC/Serasa and is a safe institution, authorized by the Central Bank. 

Well, the positive aspect that draws the most attention to the Bom para Crédito loan is that fintech offers installments via bank slip. In this way, you do not compromise your card limit with the payment of installments. 

Even more, interest rates start from 0.75% per month, and you have the answer of which financial institutions are available to lend the requested amount in up to 5 minutes. In addition, some finance companies release a line of credit for those who are negative and people who cannot prove income. 

In this sense, the loan limit can reach up to R$50,000.00 and installments can be made in up to 120 months. Once your proposal is accepted and the contract signed, the amount will be credited to your account within 48 hours. 

So, the main negative point in the Agibank loan is that it is not accessible to all people who need a line of credit. In this sense, only those who are retired, INSS pensioners or civil servants can apply for a payroll loan. 

In addition, the restrictions are even greater for those who want the personal loan that can only be requested if you have already used the loan margin with a payroll discount.

Moreover, the response time for the request can take 2 to 5 business days, which is a long time for those who are in a hurry to get credit. As well as having the installments deducted directly from the payslip, it is not possible to delay the debt amount. That is, you will be discounted regardless of any financial unforeseen. 

So, as it is a fintech specialized in intermediating your request, the Bom para Crédito loan is not responsible for the interest rates that may be charged by the finance company that offered you the line of credit. In this way, after your credit analysis, the Total Effective Cost (CET) may be higher in the available finance company than in the banks. 

In addition, despite not restricting the request to those who are negative or do not have proof of income, the response time after analyzing your financial profile is two business days.

Anyway, now that we know the characteristics of the Agibank loan or Good Credit loan, you can evaluate its advantages and disadvantages and choose which one best suits your financial needs.

Undoubtedly, both have good advantages for those who are retired or pensioners of the INSS, or even for those who just need financial assistance, as is the case with Bom para Crédito. So if you fit into these categories, they might be the right line of credit for you.

But if you still have doubts, check out the recommended content below and learn about other loans available on the market.