Well, both the Agibank loan and the Superdigital loan are excellent credit options for anyone in need of extra help. Incidentally, both options have digital platforms so you can apply for the loan online, without leaving home.

So, are you interested to know more about the Agibank and Superdigital loan? Because we have prepared a special content for you to clear your doubts and make the best choice for your profile. Let's go!

So, Agibank bank is a relatively new digital financial institution in the market. Thus, the institution has a platform that can be accessed through an application for smartphones. This way, you can have your 100% service performed online, in the comfort of your home. Likewise, Agibank also has physical branches and you can have a face-to-face service if you so wish.

By the way, it is important to mention that Agibank offers two types of loan: personal and payroll. However, to apply for any of them, you must be retired, an INSS pensioner or a public servant.

In this sense, Agibank's payroll loan offers several benefits such as reduced interest rates, and a good term for payment of installments. In addition, the payroll loan does not consult the SPC or Serasa, since the installments will be discounted directly from the payroll.

On the other hand, the personal loan is also available for the same group of people, but who have already reached the payroll margin. That way, if the customer still needs an extra credit to top up the payroll amount, he can opt for this modality. However, personal credit cannot be requested if you are negative.

Furthermore, it is important to mention that the total effective cost of the personal loan is higher. Therefore, make sure that you really need this credit and that the installments fit in your pocket.

Well, Superdigital is a finance company that operates entirely online. Although it is a recently created fintech, Superdigital is completely secure, in addition to being very practical. Authorized by the Central Bank, it offers services such as a digital account, credit card and personal credit lines.

In this way, Superdigital emerged in partnership with Banco Santander, and today offers an exclusive personal loan modality for its account holders. But don't worry if you are not yet a Superdigital customer.

In this sense, you can open your account simply and quickly. The whole process is done online 100%, without bureaucracy and without fees. Thus, among other benefits, you will have access to Superdigital personal credit.

In addition, this line of credit has low interest rates, payment in up to 18 months and, best of all, it accepts negative payments.

First of all, the main attraction of the Agibank loan is the fact that they offer an extra personal loan for customers who have already reached the payroll margin. In addition, the reduced interest rates on payroll are an extra advantage for the customer.

Furthermore, this line of credit does not consult the SPC and Serasa, which makes it even more interesting. In fact, after approval, the money is available in the account within two hours.

Also, as it is a digital bank, you can do simulations, ask questions and even apply for any of the lines of credit online and securely, without having to leave your home.

However, do you have any doubts and would like to get in touch with the bank? Because you can choose face-to-face service, if that is your preference. Agibank has physical branches, another differential from other digital financial institutions in the market.

Firstly, Superdigital's personal credit line has no target audience restriction. That is, just being a bank customer you can apply for the loan and solve your financial life without leaving home.

In addition, another attractive feature of this line of credit is that approval of the analysis takes only 3 working days. Thus, you still have a reduced interest rate and an installment payment of up to 18 months to pay.

So, the negative point that most stands out in the Agibank loan is the target audience. This is because the credit can only be requested by retirees, INSS pensioners or public servants.

In addition, the bank still does not accept negatives if you want to apply for a personal loan. In addition, the rates and interest on this type of credit are higher and it is important to be sure of the contract to avoid getting even more indebted.

Well, undoubtedly the disadvantage of Superdigital that stands out the most is the fact that you have to be an account holder at the bank to apply for the personal credit line.

That is, even though the digital account is free of fees, it is more of a bureaucracy that must be followed in order for you to have access to the loan.

Furthermore, it is important to mention that the total effective cost of this line of credit is quite high. So, make sure that you really need this loan before taking out the contract.

So, now that you know the advantages, disadvantages and main characteristics of these two loans, you can choose which one best suits your needs.

First of all, Agibank's personal credit line is only available to retirees, INSS pensioners or civil servants. Therefore, if you are not part of these groups, unfortunately the Agibank loan is not for you.

However, Superdigital can help you. Even if you have to be an account holder at the bank, the finance company's digital account is free of charge and can be opened online.

However, it is important to research well before taking out any loan. Therefore, make sure that the personal credit modality is ideal for you, and ensure that the debt installments fit in your pocket before signing up.

However, if you still have doubts about which loan would be ideal for your needs, check out the content below! It can help you make a better choice.