Have you ever thought about taking out a loan from an online bank? In addition to this financial institution offering four different types of credit, you can also apply for all of them online.

This way, you don’t have to face queues or lots of bureaucracy to access the credit you need.

And the best advantage is that the Banco Pan online loan still allows you to access the credit amount very quickly. There are modalities that can release the money to you at the same time as the contract.

Therefore, if you want to know more about the Banco Pan online loan, what modalities it works with and whether it is really worth applying for this loan, just continue with us in this article.

In short, Banco Pan offers the public four different types of loans to be requested.

This way, the bank can reach different audiences and offer the credit they need quickly and with excellent conditions.

Therefore, below you will learn more about each of the four types of Banco Pan online loans to see their main characteristics.

Firstly, we have the payroll loan, which is one where the value of the installments is automatically discounted from the applicant's payroll or benefit.

That's why this loan was made for retirees, INSS pensioners, public servants and employees of private companies. Basically, anyone who receives a fixed salary.

From there, you can access credit that fits perfectly into your budget and allows you to pay it off over a longer period of time.

In addition, when taking out a payroll loan online, you can still access a 25% discount at pharmacies affiliated with the bank.

The second type of loan offered by Banco Pan is a personal loan. With this loan, anyone can apply for the credit they need without having to justify its use or provide any guarantee of payment.

Namely, this loan is available to Banco Pan customers, that is, people who have an account opened at the bank.

This way, they can simply open the app and request the credit they need. 

In addition, this type of online bank loan can release the money more quickly. When you take it out, you can have the loan money in your account immediately.

The third loan option from Banco Pan online is the FGTS loan, a modality where you can advance up to 7 installments of the anniversary withdrawal.

In this way, from this loan, the bank automatically discounts the credit installments from your guarantee fund.

This way, you can take out a loan that doesn't generate monthly installments and doesn't compromise your budget, leaving you debt-free.

Furthermore, this loan can be requested by those with bad credit, who can access the approval they so desired to have the credit they need.

Finally, the last type of online loan offered by the bank is the BPC loan.

From there, people who receive the Continuous Benefit Payment from the Organic Law of Social Assistance can access high credit to be paid over a long period of time.

Namely, the BPC loan can be requested online and also has the lowest rates on the market.

In short, a loan from Banco Pan online works very simply. You can apply for it through the bank's website, app or WhatsApp, where you can send your personal data for a credit analysis.

Once the analysis has been approved, you can now sign your loan agreement and wait for the money to be released into your account.

Some types of credit, such as payroll loans, FGTS loans and BPC loans, may involve a few additional steps in the application process.

However, all of them can be done completely online and are very practical and simple to complete, as the bank will always be by your side to guide you on the next steps of taking out the loan.

As Banco Pan offers four different types of loans, you can access different conditions with them.

Therefore, when you apply for a payroll loan, you can pay it in up to 84 installments and access interest rates starting at 1,20% per month. In this modality, the credit release into your account can occur in up to 2 business days.

With a personal loan, you can take it out and pay it off in up to 24 installments. The interest rate for this type of loan may vary depending on your credit analysis, but it is released at the same time it is taken out.

With the FGTS loan option, you can advance up to 7 installments of the anniversary withdrawal and it does not generate any monthly installments for you to pay. 

In this modality, the payment of the installment is basically a discount that Banco Pan automatically makes on your FGTS balance. As for the interest applied, the bank informs that it can start at 1.49 % per month.

Finally, with the BPC loan option, you can pay for the credit in installments of up to 84 months and access low interest rates, starting at 1,20% per month.

In short, the maximum amount of credit you can access through the Banco Pan online loan depends on the modality chosen.

Therefore, when you apply for a payroll loan, you can access credit of at least R$1,500. The maximum amount will depend on your monthly income and other aspects considered in the credit analysis.

In the personal loan modality, you can access credit of at least R$100. The maximum amount also depends on the credit analysis carried out.

With the FGTS loan, you can access up to 7 installments of the anniversary withdrawal. Therefore, the minimum amount of this loan will depend solely on the balance you have available in your guarantee fund.

Finally, the BPC loan follows the same rules as the payroll loan. In other words, the minimum amount you can access with it is R$1,500. The maximum amount will depend on the credit analysis performed on your profile.

After getting to know in depth the main features of the Banco Pan online loan, it is normal to have doubts about whether this option is really advantageous for your financial life.

Therefore, to avoid this doubt, we have separated below the main advantages and disadvantages of Banco Pan online loans so that you can have more clarity and know if they are interesting options for you.

Starting with the advantages, we can see that the loans that Banco Pan provides offer several benefits for you, such as:

On the other hand, the Banco Pan online loan also has a negative point. Basically, all loans are intended for more restricted audiences.

Even the personal loan that has fewer requirements is still only available to Banco Pan customers.

Therefore, when making the request, if you do not have an account opened at the Bank, you may need to go through this additional step to check whether your credit is approved and whether you can access the loan.

If after analyzing the pros and cons of Banco Pan online loans you decide to apply for it, you now need to learn how to apply for this loan.

Banco Pan offers several digital channels so you can apply for the loan that best fits your financial life.

Therefore, to learn how to access the loan through these channels, in the following post we have separated a complete step-by-step guide that shows how the process of requesting a payroll loan from Banco Pan online works.