In principle, the Bom pra Crédito loan or the SuperSIM loan are two great options for those who need quick credit, either for an emergency or to pay off their debts, but do not want to resort to conventional banks. 

This is because both fintechs offer personal loans digitally and without bureaucracy. And the best: if you have any restrictions on your name and have had other loan applications denied, you can also apply!

So, you are interested in the Good for Credit loan or SuperSIM loan and want to know more? Continue reading and discover all the features of these lines of credit!

Well, first let's talk about the loan Good for Credit. Fintech was founded in 2013 with the purpose of facilitating customers' access to different lines of credit at once. That is, by making the request through Bom pra Crédito's digital platform, you are connected to more than 30 financial institutions with the best loan proposals for you. Amazing, isn't it?

In this way, Bom pra Crédito works as a credit facilitator. That is, the money does not come directly from fintech, but it helps you throughout the process, from simulation to hiring.

In addition, the Bom pra Crédito loan offers low interest rates, starting at 0.75% per month and payment in up to 120 installments via bank slip. Furthermore, the maximum amount available is R$ 50,000 and it is possible to apply if you have any restrictions on your name, but it is important to remember that every request undergoes a credit analysis. Therefore, if you are negative, the chances of getting a loan are lower. 

First, do you know SuperSIM? Created in 2019, fintech is a bank correspondent for Banco Socinal and aims to democratize access to credit for people who have already had their loan applications denied by other financial institutions. 

In this way, the company offers two types of credit line: the unsecured personal loan and the personal loan with cell phone guarantee. In both options, the maximum amount available is R$2,500.00 and can be divided into up to 12 installments, with interest rates starting at 14.9% per month.

Thus, the entire process is done through the SuperSIM website in a simple and very fast way. In addition, fintech promises the money in the account within 30 minutes after approval of the loan or exemption from interest if this does not happen.

In addition, all loan requests undergo a credit analysis, but as the company's motto is financial inclusion, having restrictions in the name does not prevent you from applying for a line of credit.

So, in addition to offering several credit line options in up to 5 minutes and at once, the Bom pra Crédito loan also has other exclusive advantages. In this sense, what stands out the most is the long installment period: up to 120 months, which can be done via bank slip, that is, without compromising your card limit with payments.

In addition, fintech has different loan modalities and you have complete freedom to choose which one best suits your financial needs. Even more, interest rates start at 0.75% per month and are an extra attraction when compared to other options in the same segment on the market. Likewise, we can consider the maximum limit of R$ 50 thousand as an advantage and the agility in the receipt process, since once your proposal is accepted, the requested amount will be credited to your account within two days. 

Well, SuperSIM's purpose is to offer more accessible lines of credit for those who need quick cash for whatever reason and they do it very well! With the highest approval rate on the market, your money can be in the account within 30 minutes of taking out the loan. 

In addition, the process is done entirely through the fintech website in a simple way and without bureaucracy. In addition, by opting for the loan with cell phone guarantee, your chances of having the loan approved are even greater! 

So, despite offering good advantages for those who need a quick and secure line of credit, the Good for Credit loan also has some negative points that must be taken into account.

In this sense, every order placed on the digital platform undergoes a credit analysis. In this way, fintech does not restrict who is denied the request, but it also does not guarantee that your request will be accepted. 

In addition, all proposals offered by financial institutions take into account your financial health. That is, depending on this analysis, interest rates and the total effective cost may be higher than those of a conventional bank.

Undoubtedly, the SuperSIM loan offers good conditions for those who need emergency credit, but it also has some negative aspects that can weigh you down when making your choice.

Firstly, there is a contracting fee of R$75.00 for the first loan. In addition, the maximum amount available is R$2,500.00 and the interest is higher than competitors in the same segment, reaching up to 27.29% per month with the effective cost. 

Furthermore, if you choose to take out the loan with a cell phone guarantee, you must install the SuperSIM application, which works as a financial controller. That is, if you delay an installment for any reason, the app locks your device, limiting its use to emergency calls only until you make the payment. 

Well, the Good for Credit loan or the SuperSIM loan are two great alternatives for those looking for a safe, bureaucratic emergency loan, after all, the request for both is made through their digital platforms and in a few minutes. 

Also, their credit reviews are less restrictive. That is, you may be able to get the loan even if you are negative.

However, before committing to a personal credit line, it is important to analyze the pros and cons of the available options and do a simulation to make sure that the value of the installments fits in your budget. In this way, you do not run the risk of being in default with credit protection agencies. 

But, if you still don't know if the Bom para Crédito loan or the SuperSIM loan are the best alternatives for you, how about getting to know other lines of credit available on the market? Check it out below!