Initially, the Caixa Loan or Itaú Loan are two loan options that are among the best on the market. This is because they have excellent proposals for people with a dirty name, that is, people whose name is restricted in credit bureaus.

So, to learn a little more about the advantages and disadvantages of these loans, we have brought a comparison for you to do an analysis. Check out!

So, the Caixa Loan is the credit you can apply for without the need for a guarantor, with exclusive conditions and the best offers for employees of companies and associated bodies, retirees and INSS pensioners.

In addition, you can take out the loan without a guarantor and the amounts are deducted directly from your payroll or benefit.

It is important to mention that, if you receive a salary through the Caixa Account, you can have access to several other advantages.

That's because, there are several options for you to choose from according to your need and payment capacity.

That is, you can pay the installments at once or in monthly installments depending on the chosen payment option.

And in addition, interest rates can also vary depending on the option chosen, as well as the payment term can reach up to 48 installments.

Lastly, Caixa Econômica Federal is looking for different types of loans to offer customers a type of credit that suits their financial situation, making them more comfortable when looking for money quickly and safely.

Well then, the Itaú Loan is a type of credit made for you to use as and whenever you want, exclusively for employees of private companies or employees of public bodies that are affiliated with Itaú.

And in addition, you can also take out the loan without a guarantor, as well as without consulting the SPC and SERASA.

Also, the amounts are deducted directly from your payroll or INSS benefit.

It is important to mention that you can apply for the loan through the Itaú application, on the website and at any of the Itaú branches.

So, in the app, you can check your pre-approved credit in addition to doing simulations.

On the other hand, you can go to the Itaú website and simulate the installments or go to an agency and talk to take out the loan.

Finally, Itaú has a super intuitive application where you can control your finances and have access to all financial transactions in your account.

Therefore, the Caixa loan has several advantages, one of which is the convenience offered by Caixa.

This is because the amounts are deducted directly from your salary or INSS benefit and you can anticipate the settlement whenever you want.

Furthermore, you do not need a guarantor to apply for the loan, as Caixa does not consult the SPC and SERASA.

Another advantage is that the maximum loan amount is calculated according to your salary or benefit and the installment does not exceed 35% of what you receive.

In addition, Caixa has a large service network so that customers can access the website, application and branches throughout Brazil.

Therefore, if you want a loan offered by a financial institution that has credibility, security and multiple payment options, the Caixa loan may be what you need.

Well, the Itaú loan has several advantages, the first of which is the fact that you can count on fixed installments and deducted directly from your salary.

In addition, Itaú has the lowest interest rates on the market, making it easier for you to repay the loan.

Another advantage is that you have up to 90 days to start paying off the payroll loan.

Also, you can pay off or advance the loan installments whenever you want and, best of all, the flexibility, as you can choose the installment amounts yourself.

Therefore, Itaú is also among the best private institutions in Brazil, guaranteeing credibility, data privacy and security for all customers.

Therefore, if you are looking for a bank with the credibility, security, transparency and flexibility that you need, maybe Itaú is the best option.

So, one of the biggest disadvantages of the Caixa loan is the fact that you need to be a beneficiary of the INSS to have access to the loan.

This is because it means that not just anyone can make the request, but all those who fall into this category of INSS retirees or pensioners and public servants.

And also, be careful with interest rates, because, despite being low, in the long run, they can bring financial problems.

That is, have good financial planning and take care of your finances, so you don't have surprises.

Therefore, before opting for the Caixa loan, compare it with other options on the market, to find out if it is what you need at the moment.

Well, just like the Caixa loan, one of the biggest disadvantages of the Itaú loan is the fact that you need to be a beneficiary of the INSS to have access to the loan.

This is because it will not be just anyone who can make the request, but all those who fall into this category of INSS retirees or pensioners and public servants.

And in addition, it is important to be careful with interest rates, because, despite being low, in the long term, they can bring financial problems.

That is, have good financial planning and take care of your finances, so you don't have surprises.

Therefore, before opting for an Itaú loan, compare it with other options available on the market, to find out if it is what you need at the moment.

Well then, Caixa Loan or Itaú Loan are two loan options that have all the credibility, security, transparency and offers that these two banks offer negative customers, as well as convenience and accessibility.

Therefore, make an analysis of the loans that are available in the market and see which one is the best option for you. And if you still have doubts, see some recommended content below about the loans we brought you.