The BX Blue loan online is an interesting option for you to have access to the ideal payroll loan for your profile.

This financial institution has a platform that works as a payroll loan search engine.

That way, you can enter it and find the offer that best fits your finances!

Thus, when taking out a BX Blue loan online, you can close a deal with the partner bank on this platform that offers the best conditions when hiring.

In this article, you will learn more about this credit option and learn all the details about the payroll loan that BX Blue online offers.

In summary, the BX Blue loan online works in the same way as any other payroll loan.

In this way, when applying for this loan, the user will be able to access a credit modality where the value of the installments is automatically deducted from their payroll.

Thus, he does not have to worry about paying another bill every month, since the loan payment will be made alone.

Furthermore, as the installments are discounted, by law they can only consume up to 35% of the user's salary. This percentage indicates the assignable margin of this loan and shows the total value that the installment can have.

In this way, you guarantee that you will take out a loan with an installment that does not limit your budget.

Also, because it is discounted, the partner banks of BX Blue are able to offer better loan conditions, with lower interest rates and a longer payment period.

Thus, when taking out the BX Blue loan online, you will be accessing the best loan conditions that would hardly be possible with other types of credit.

Namely, BX Blue loans work with three different agreements that have different credit conditions. The agreements worked are the FGTS, INSS and SIAPE.

In this way, when taking out a loan through the FGTS or SIAPE agreement, you can pay off your loan in up to 96 months, which gives a total of 8 years. Here, the interest applied in SIAPE is up to 2.05% per month.

The loan made with an agreement with the INSS, offers a total of 84 months of payment term, a difference of one year from the above modalities. In this agreement, the interest amount is up to 2.14% per month.

Knowing the maximum amount you can get on a loan is one of the most important points when looking for credit.

However, in the case of the BX Blue online loan, it is not possible to know with certainty the maximum amount that the institution can release to the applicant.

This happens because the amount of the loan will depend on the salary that the person receives. As installments can only consume up to 35% from him, BX Blue ends up defining different limits according to salary and payment term.

However, from the BX Blue website you can find out the maximum loan amount you can access. For this, you just need to add your health insurance and your consignable margin, which is equivalent to 35% of your salary.

So, just add the amount of installments you would like to pay for the loan so that the platform can generate the value.

To exemplify this operation, we carried out a simulation on the BX Blue website with the amount of R$ 800.00 of assignable margin with the FGTS agreement in 84 installments. 

In this scenario, the total loan amount could be up to R$ 45,093.85. But, this is just a simulation. To find out the exact amount, you need to apply for the loan and do a credit analysis.

Online BX Blue loan can present several benefits to the public. But like any other loan, it also has its downsides.

Below you will find the main advantages and disadvantages of this payroll loan.

As advantages, the BX Blue loan online is a completely online option, which helps to facilitate access to credit. 

In addition, on its own website you can find out the amount of credit you can access, which shows that it is a transparent company.

But in addition, the online BX Blue loan also offers other interesting advantages such as those described below.

On the other hand, the BX Blue loan online has some negative points. First, there is the fact that he is a loan seeker. That way, you can only access offers with banks that partner with it.

Thus, when carrying out the search you may not find many bank options or the one you would like to access.

In addition, the fact that the credit is only for civil servants, retirees and INSS pensioners is an obstacle for those who have a different profile and would like to access credit with better conditions.

If you've read this far and liked the BX Blue loan online, you can now apply for one!

As we said, the application process is completely online and can be done on your computer, cell phone or tablet.

So, just go to the BX Blue website, run a simulation and go in search of the best credit proposals for you.

If you prefer, you can check the following post for more details on how the online BX Blue loan application works!