Undoubtedly, all of us have failed to fulfill a dream or make an investment due to lack of money, right? That's why today we're going to talk about two lines of payroll credit available on the market to give you that little financial help: Agibank loan or Santander loan. 

Therefore, if you need a loan but do not want to suffer from abusive interest rates, these two options may be the solution to your problems. Want to know more? Continue reading and check it out!

Surely you who are retired, pensioners or civil servants have thought about asking for a little extra money to help you at the end of the month. Whether for a renovation, a trip or to pay off some outstanding debts.

Well, thinking about it, Agibank created an exclusive line of credit for you: the Agibank loan. In this sense, the loan is 100% online and without bureaucracy, as well as you apply without having to leave your home.

In addition, fintech promises low interest rates and good payment flexibility for both payroll loans and personal loans, and does not consult Serasa. That is, you have the credit line even if you are negative. 

However, the Agibank loan is only available to people who fit the above mentioned categories. So, if this is not your case, you should consult other lines of credit available in the market.

First, Banco Santander is one of the most well-known financial institutions in the world. Founded in 1857, it aims to offer various services to its customers in a simple and efficient way, always thinking of quality in the first place. 

Therefore, Banco Santander created the Santander payroll loan. A type of loan for INSS beneficiaries and civil servants. In addition, credit is also available to private employees, as long as the company has an agreement with the bank. 

So, the bank offers low interest rates and good payment terms with the installments deducted directly from the payslip, that is, you don't have to face queues or worry about your credit limit. In addition, the Santander loan application can be made online, at bank branches or even through the bank's application. 

First, we can highlight that the main positive point of the Agibank loan is that it does not consult the SPC/Serasa, so it is a great option if you need a credit line full of benefits, but you are negative.

In addition, Agibank offers a personal loan for those who have already reached the limit of the payroll loan margin, but did not get the requested amount. Thus, you get a little extra money to pay off your debts or even go on a trip. But, in this case, the credit installments are not deducted from the payroll, as you must pay them in the form of a bank slip.

In addition, the Agibank payroll loan has reduced interest from 1.2% per month and facilitates the payment of the total amount in up to 84 months. In addition, it is an institution regulated by the Central Bank and also has physical branches if you have any questions or if you prefer to be attended to in person.

Well, the Santander payroll loan has several exclusive benefits for those who want to apply for this line of credit. Firstly, you can apply even if you are negative, because as the month's installment is deducted directly from the payroll, the bank takes it as a guarantee and you do not run the risk of being in default.

In addition, the payment period for those with a bank account is up to 144 months and the interest rates start at 1.07% per month. However, if you are not a bank account holder, no problem! The Santander payroll loan can also be requested for those who do not have an account with them. 

Even if the company you work for is a Santander bank partner, you can take out loan insurance, which covers up to R$ 9,000 if you involuntarily lose your job. As well as your loan is paid off in the event of an accident with permanent disability. 

In addition, Santander offers portability with different rates if you already have a payroll loan at another bank. In this sense, you can also request a refinancing of your Santander loan and have a longer period to pay your debt in case of any unforeseen events. 

So, let's talk about the negative aspects of the Agibank loan. At first, the personal loan is more restrictive than in other institutions and the interest rates are higher than the payroll loan. In addition, the number of installments is also smaller and can be divided into a maximum of 72 times. Therefore, it is important to analyze whether this line of credit fits into your budget. 

In addition, the loan is only available to retirees, INSS pensioners, military personnel or public servants. So, if you are not part of any of these categories, unfortunately this line of credit is not an option. 

Well, all lines of credit have advantages and disadvantages, and the Santander payroll loan is no different. First of all, you can only apply if you are a beneficiary of the INSS or an employee of the public and private sectors with a partner company of the bank. Therefore, if you do not fit into any of these categories, your proposal will not be accepted. 

So, the loan amount and its interest rates are not predefined and depend on credit analysis. As well as if you are a private employee, you also need to wait for your company's HR analysis. In addition, the assignable margin is 30%, which is lower than other options on the market. 

Furthermore, if you want to apply for a Santander payroll loan and you are not an account holder at the bank, you can only apply through the Olé digital platform. In this sense, the benefits are smaller. That is, higher interest rates, in addition to a shorter payment term and reduced limit.

Therefore, if you need a line of credit and are a retiree, pensioner or civil servant, the Agibank loan and the Santander loan are two great options. Thus, both have unique benefits and good interest rates compared to other loans in the same segment. 

However, before applying for a payroll credit line, it is important to analyze the advantages and disadvantages of each one and check your monthly budget to see if the value of the installments fits in your pocket. This is because the discounts are made directly on the payroll, so it is not possible to delay the debit. 

So, if you are still not sure whether the Agibank loan or the Santander loan meet your financial needs, check out another comparison that we have separated for you in the recommended content below!