loans
Good loan for Credit or Itaú loan: which is better?
Both the Bom pra Crédito loan and the Itaú loan offer exclusive benefits to their customers. Here we list main characteristics, as well as advantages and disadvantages of both to help you make your choice. Check out!
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Good for Credit x Itaú: find out which one to choose
First of all, the Bom pra Crédito loan or Itaú loan are two great options that can help you resolve your financial life. Whether to get plans off the ground or even to solve an unforeseen event, this type of credit line is highly sought after nowadays.
In fact, this happens because the personal loan does not have any contractual restrictions. In other words, with this line of credit you can use the money whenever and wherever you want, with total flexibility.
So, are you interested and want to know more about how to apply for this type of loan? Check it out below!
How to apply for a Good Credit Loan
Are you in doubt about how to apply for a Bom para Crédito personal loan? See below how to apply for credit in a simple and practical way.
How to apply for an Itaú loan
If you need credit to fix your financial life, you already know that you should ask for an Itaú loan without consulting Serasa, right? So, find out!
Good Loan for Credit | Banco Itaú loan | |
minimum income | Uninformed | Uninformed |
Interest rate | From 0.75% per month | Monthly maximum 9,06% |
Deadline to pay | Up to 120 months | From 4 to 36 months |
release period | Up to 48 hours after analysis | Up to 3 business days |
loan amount | Up to R$ 50 thousand | depends on analysis |
Do you accept negatives? | depends on analysis | depends on analysis |
Benefits | Installment via boleto, several financial options with just one registration | Installment via bank slip, no need to be an account holder |
Good Loan for Credit
Firstly, the company Bom para Crédito was created with the aim of making life easier for its customers. So, offering completely online and practical service, you have access to more than 30 accredited financial institutions with just one registration.
In this sense, Bom para Crédito is nothing more than a Banking correspondent. In other words, in the end, it is not she who makes the transaction. Bom para Crédito only connects the person looking for a loan with the financial institutions that provide it.
Furthermore, it is also important to mention that Bom pra Crédito offers several types of credit, including personal loans, which we will provide more information about below.
Furthermore, with this line of credit, you can pay your debt in up to 120 months, in addition to a reduced interest rate. In fact, with a personal loan, Bom para Crédito allows you to pay in installments via bank slip.
Itaú loan
First of all, Banco Itaú Unibanco SA is one of the largest banks in the country. In addition to being a very well-regarded institution, it also offers several types of credit lines in a secure manner.
In this sense, Itaú has some different types of personal loans, but today we are going to talk about online personal loans for non-account holders.
So, this line of credit is intended for people who are not Itaú customers or who only have a savings account or, even, only the institution's credit card. Therefore, if you fit into this group, Itaú can help you.
Furthermore, the bank offers personal loans to non-account holders completely online. Therefore, you can access the institution's website and do a free simulation, calmly and safely, without leaving home.
Furthermore, credit approval can take up to 3 business days and the bank promises affordable interest rates so that you can resolve your financial life.
What are the advantages of the Good for Credit loan?
Well, the advantage that most attracts attention from Bom para Crédito is the fact that you can pay your debt in installments via bank slip. This way, you do not need to have any connection with the institution offering the credit, in addition to not compromising your card limit.
Furthermore, Bom para Crédito aims to make life easier for its customers. In this sense, with just one registration, you have access to several personal credit offers that are made especially for you.
This is because, when registering, you fill in your personal information and answer some questions about your financial profile. This way, partner institutions can make specific proposals for your financial needs.
Furthermore, you can still pay your debt in up to 120 months and the loan amount can reach R$ 50 thousand. In fact, Bom pra Crédito still offers reduced interest rates starting at 0.75% per month.
What are the advantages of the Itaú loan?
Firstly, the most attractive advantage of the personal loan for non-Itaú account holders is the fact that payment can be made via bank slip. Therefore, you do not need to open an account with the institution to get credit.
In fact, hiring is done simply and completely digitally.
This way, you just need to access the Itaú website and do a free simulation. You will then undergo a credit analysis which can take up to 3 business days and then, if approved, the money will be available to you. Therefore, Itaú will make the deposit into the account of another institution chosen to make the amount available.
Furthermore, the bank also provides 4 to 36 months to pay the debt. This way, you will be able to take out credit in a practical and safe way with one of the best financial institutions on the market.
What are the disadvantages of the Good for Credit loan?
Therefore, as it is a banking correspondent, Bom para Crédito cannot guarantee credit approval for negative people. So, if you have any restrictions on your name, you may not be able to get a personal loan.
In addition, you must still register on the platform to access credit options. Although it is a free procedure, it is still mandatory and becomes another bureaucracy to be carried out.
Furthermore, Bom pra Crédito is not responsible for carrying out the transaction if the loan is contracted. In other words, it is not responsible for other fees and charges that the chosen financial institution may charge. Therefore, you may be able to get a better proposal if you deal directly with the bank.
What are the disadvantages of the Itaú loan?
Well, even though Banco Itaú is an excellent financial institution, its credit line has some disadvantages.
Initially, the interest charged by Itaú is somewhat higher and you may find better options in other institutions on the market.
In fact, the bank also does not guarantee approval for people with name restrictions. In other words, Itaú considers your banking history during the credit analysis. Therefore, if you are negative, your request may be denied.
Good Loan for Credit or Itaú loan: which one to choose?
Anyway, if you've made it this far, you may have noticed that the Bom pra Crédito loan or Itaú loan have exclusive advantages for you. However, proposals may vary slightly.
So, if you're still a little lost and don't know where to start looking for a credit option, then Bom para Crédito can help you. As you have already seen, it is a digital platform that finds the best loan option based on your profile.
However, if you prefer a more reputable institution, the personal loan option from Banco Itaú may be perfect for you. This is because Banco Itaú is one of the largest financial institutions in the country, in addition to offering different types of credit.
Finally, are you still in doubt and don't know which line of credit best meets your needs? So, check out our content below that will help you make the best decision for you.
Caixa loan or Itaú loan: which one to choose
Caixa loan or Itaú loan: do you know which one is the best option for negative people? Remember that both are ideal for those who are negative. Check out!
About the author / Aline Barbosa
Reviewed by / Junior Aguiar
Senior Editor
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