It is very common to find ourselves in a situation of financial difficulty. Or, having that dream of going on a trip, or renovating a room. Whatever the reason, if you're looking for personal credit but don't know which one to choose, we'll help you.

We have prepared this content about the Agibank loan or Caixa loan, so that you can analyze which proposal best suits you. In addition, you can access the content below to find out more details on how to apply for an Agibank loan or a Caixa loan. Check out!

So, see below the main characteristics, the values that each bank offers, in addition to the advantages and disadvantages of Agibank and Caixa.

Agibank bank is a relatively new digital bank that works through an application available for iPhone and Android. In addition, it has the differential of having physical branches, unlike other digital financial institutions.

But don't worry, the platform is completely safe. And, if you want, you can go to an Agibank branch for face-to-face assistance.

With the policy of providing a fast and bureaucratic service, Agibank offers different types of credit. Among them is the personal loan.

Even though the total effective cost of the personal loan is the highest among the different types of loans, it is still the most sought after. Mainly because with the personal loan the customer has no contractual obligation to communicate the use of the requested amount. On the contrary, the money is used as and as much as it wants.

In this sense, Agibank offers personal credit to customers who are INSS retirees or pensioners, military personnel or civil servants. In this way, the value of the installments is debited directly from the payroll, or from the current account.

Furthermore, Agibank does not consult the SPC and Serasa. Therefore, if you are negative and need financial assistance, it can be a great way out.

Caixa Econômica Federal is a public company, linked to the Ministry of Finance. Together with the Central Bank and Banco do Brasil, it is one of the main institutions of economic policy.

The personal loan is a type of loan that has no restrictions on its use. Consequently, it is highly sought after by Brazilians, as you can use the money however you want.

Therefore, Caixa offers different types of personal credit. So you can choose the one that best fits your profile.

So, we have Pre-fixed Monthly Personal Credit, which has pre-fixed interest and a payment period of up to 48 months. Then we have Post-fixed Monthly Personal Credit, where the payment period is 36 months and interest rates are post-fixed.

In addition, we also have Pre-Fixed Monthly Cash Salary Credit. With it you have pre-fixed interest and a term of up to 48 months to pay. However, it is only available to customers who receive payment from Caixa.

Finally, we have Post-Fixed Monthly Cash Salary Credit. This credit is also only for customers, and has post-fixed interest. In addition, payment must be made within 36 months.

In this way, it is important to mention that Caixa does not require a minimum income to apply for the loan. However, unfortunately, the bank does not grant credit to negatives.

Therefore, you can access the Caixa application to request your personal credit, or you can also access the website to find out more information. However, it will be necessary to go to a physical agency to do the credit analysis and sign the contract.

Firstly, the most striking advantage of the Agibank loan is the fact that they do not consult the SPC and Serasa. So, if you are negative or with a low score, don't worry, because Agibank can help you.

In addition, the bank grants credit of up to R$10,000.00 and, after approval, the amount is made available in the account within 2 hours.

And, the term for payment is also quite long, and can reach up to 72 months.

Furthermore, Agibank is a digital bank. Thus, you can apply for the 100% loan online, without leaving your home. But don't worry: it's a completely secure financial institution.

Caixa has a wide variety of personal loans, precisely seeking to serve everyone who needs this type of loan. So you can choose the one that best suits your needs.

All types of personal credit that the bank offers have a good payment term. By the way, you can pay off your loan all at once if you want.

Finally, it is important to say that as it is a very well established bank in the market, Caixa is a completely safe financial institution.

Well, unfortunately the Agibank loan is not affordable for everyone. Personal credit is only available to retirees, INSS pensioners, military personnel or civil servants. That's because the discounts are made on the payroll or directly on the checking account.

Also, it is important to mention that personal loan amounts are the highest. Therefore, it is important to be sure of hiring to avoid getting further into debt.

Initially, the main disadvantage of the Caixa loan is that it does not accept bad debts. Therefore, if this is the case for you, the bank will not be able to help you.

In addition, Caixa's interest rates are not the best either. It is likely that you will be able to find a better option when applying for a personal loan.

In addition, you also need to go to a Caixa physical branch to finalize the personal loan contract. In this sense, there are now many other digital banks that offer this service online 100%. By the way, it is also important to say that the approval of the personal loan can take up to 10 business days.

As you can see here, both loans have their benefits and disadvantages.

First of all, we can say that if you have a low or negative score, the Caixa loan is not for you. But do not worry! In addition to Agibank, there are several other banks that offer good proposals for your profile.

However, if you are a Caixa customer, the bank offers good options for personal credit. You can also go to their website or contact them for more information.

The personal loan is a type of credit that has the highest total effective cost (CET). Therefore, it is important that you research well and be sure that you need to take out this type of loan.

In addition, it is indicated that the value of the installments does not exceed 30% of your monthly income. This way you avoid delays, otherwise you could end up even more indebted.

So, if you are still in doubt about which loan is right for you, check out other options below. You will definitely find the one that best suits your needs! Check out!