Who wouldn't want the comfort of applying for a loan without leaving home and, best of all, without having to stand in line for hours at the bank at the risk of being denied? Yeah, we all would! However, what some think is a distant reality, the truth is that it is not. Companies specializing in online loans are increasingly emerging, such as Credisfera. If you haven't met her yet, then it's time to get to know her. Shall we know more?

Operating in the financial market since 2015, Credisfera is a fintech that works as a bank correspondent for Banco Semear SA Although young, the company has been winning the hearts of several Brazilians, as it offers online loans in an easy way, with no bank bureaucracies conventional anywhere in the stages of the credit application process.

With several partners working together, Credisfera developed a digital platform that aims to make it easier for entrepreneurs and micro-entrepreneurs to obtain loans. It is, therefore, an innovative fintech that was born precisely with this proposal: to streamline credit access processes, serving as a meeting point between entrepreneurs and investors.

This new way of acting by Credisfera came from the fact that, in an extremely competitive market such as the financial one, it is necessary to reduce the bureaucracy of the loan granting process in order to be able to offer lower interest rates to entrepreneurs. With this, they developed more flexible processes for credit analysis, resorting to the use of technologies and digital channels to develop the business.

Credisfera basically operates on two fronts: offering personal loans online and providing financial advice to individuals, that is, helping customers who are in doubt whether they should even take out a loan or not. For us, what interests us is the first service and it is about it, therefore, that we will talk.

As we mentioned earlier, Credisfera is a company that operates 100% online in the personal loan service. Thinking about the convenience, as well as the ease of its customers, all credit requests are made directly through the company's website – but we will leave this matter for the next texts.

In the case of Credisfera's online personal loan, you can request a credit from R$2,000 to R$15,000, with the possibility of paying the debt in 9 to 18 installments. The maturity of the installments, whose values are fixed and vary between R$ 980.00 to R$ 1,210.00, will always be on the date the credit was made and the billing will begin in the month following the amount in your account.

It is worth mentioning that, when obtaining a personal loan with Credisfera, you will have one of the lowest interest rates on the market, which vary only between 3.9% to 7.8%. However, in addition to interest, there are also other charges levied on loans, such as the IOF tax, which will be estimated when making a personalized proposal, and the registration fee to start a relationship. This, in turn, is usually charged by traditional banks, but at Credisfera you will not pay anything for it! Too good, isn't it?

Finally, it is worth noting that, if you do not feel secure about obtaining a loan online, know that Credisfera is 100% reliable and that you do not need to be afraid. Your website has a digital certificate and, therefore, the data sent to the company is encrypted, which guarantees the protection of your documents. Also, in its privacy policy, the company makes it clear that it does not disclose any personal information and all data is exclusively used to analyze, develop and improve the products and services offered.

In addition to what has already been said above, you need to know other relevant information when applying for your Credisfera loan. Are they:

To apply for your personal loan, you must meet the following requirements, which are a valid CPF, be between 21 and 65 years old, hold a checking or savings account and have an active personal email, as well as a cell phone number. In addition, you will need to have identifying information and ZIP codes for your home and business addresses at hand.

Unfortunately not. For now, customers with CPF restrictions are outside the credit policy and have a very low chance of not having their credit approved, if at all.

While the negatives are not included in Credisfera's personal loan, salaried ones already are. However, in this case, it is necessary for the client to have a proven source of income to increase the chances of the credit being approved.

Do you have a checking account in your name? If yes, then done! You can receive your money there, with the only exceptions being Bansicredi and Bancoob. But beware: you MUST be the account holder, okay?

Yes, the online loan is 100% secure. Incidentally, this type of credit should grow more and more in Brazil and is already a very present reality in the US and in other countries. That's because it has two great advantages: the first is that you don't need to move to get money and the second is that the operating costs of an online loan are lower than the loan at a finance store, for example, which greatly reduces your interest.

So far, it has been possible to see how advantageous the Credisfera personal loan is, isn't it? But wait, it's not over yet! There are many benefits of fintech that, those who know them, do not think twice about applying for credit to call their own.