Are you looking for a higher-value loan with a good repayment term? Then an online Creditas loan may be a good option.

From this financial institution, you can access up to R$1.9 million in loans to be paid over 20 years with a very low interest rate compared to a personal loan.

Namely, the Creditas online loan can offer better conditions because they work with the types of payroll loans and loans with collateral.

This way, the bank can offer a more attractive loan. In this post, you will learn everything about the Creditas online loan and find out if it is a good option for you!

Creditas is a well-established financial institution in the market. It has been in existence since 2012 and currently operates as a banking correspondent, facilitating access to credit for many people.

To carry out this work, Creditas offers three types of loans: secured by a motorcycle for private companies and secured by a property.

Below, learn more about all these options to see which one is the ideal option for you.

Private payroll loans are an option that uses a worker's salary as collateral. Because of this, this is the only type of Creditas online loan that can be accessed by people with bad credit. 

In this model, the value of the loan installment will be automatically deducted from the person's paycheck. To this end, the installments cannot exceed more than 35% of the worker's salary.

To be able to request it, the company you work for must be a member of Creditas Benefícios. In the following post, you can find more details on how to make this request.

A vehicle-secured loan is an option offered by Creditas where you can use your vehicle as collateral.

This way, you can transform part of the value of your car or motorcycle into credit that you can access easily and completely online. And best of all, you can use your car normally while the loan lasts.

Furthermore, with this modality it is possible to access low installments, reaching values of R$151.00 per month.

To access this loan, it is important that your car meets the institution's criteria to be used as collateral. To better understand the process, see how applying for this loan works.

Finally, the last type of Creditas online loan is the one secured by property, where you can transform part of the value of your home into credit for yourself.

Therefore, with this loan, it is possible to access higher amounts of credit according to the value of your property.

And the best part is that you can continue living in the property and even use the Creditas credit to pay off a real estate financing using more attractive interest rates.

To access this loan, your property must meet the criteria established by Creditas.

The Creditas online loan works in a very simple way. However, since it only works with secured loans, some people may be unsure about how the steps work.

Therefore, when taking out a Creditas loan online, the financial institution will analyze your credit profile to see if it is possible to approve the release of the loan.

Once the analysis has been completed and approved, there is still a step to verify your guarantee or salary.

Therefore, in the case of a payroll loan, Creditas can contact your company and analyze your salary value to define the credit that can be released.

For secured loans, Creditas will check your property or vehicle and analyze whether it meets the loan requirements.

Thus, with the verification steps ready and the guarantees approved, Creditas sends the contract relating to the loan and, after signing it, it releases the credit into your account.

Initially, as Creditas works with three types of credit, it is possible to access different conditions when taking out a loan.

Therefore, those who decide to take out a payroll loan will be able to access an interest rate of 1.25% per month. In addition, the installment plan can be made in up to 60 months.

The loan secured by a vehicle has an interest rate that can start at 1,49% per month, where the customer can pay the loan in installments over up to 60 months. 

Finally, the loan secured by real estate has an interest rate starting at 0.99% per month, which can be paid in up to 240 months.

The Creditas online loan limit will depend on the type of credit contracted. Therefore, the maximum amount you can access in each type is:

Therefore, each option works with a specific price range that allows you to access the credit necessary to carry out your projects.

To know if the Creditas online loan option is really worth it, you must first analyze its main positive and negative points, as you can see below.

The loans that Creditas offers to the public have several interesting benefits that are difficult to find in other types of loans.

This way, you can access a high amount of credit to take out your loan, in addition to having low interest rates.

With the Creditas online loan, it is also possible to have different payment conditions, where it is possible to pay your loan in installments between 60 and 240 months.

Finally, the loan application process takes place entirely online to offer you more convenience.

Now looking at the negative points of the Creditas online loan, we can highlight the fact that the institution only works with loans that require collateral or salaried employment.

Therefore, people who do not have a property or vehicle to provide collateral may be prevented from accessing the loan. The same applies to self-employed workers.

Furthermore, as it only works with these loans, the application process can be a little more bureaucratic as there are steps to verify the applicant's assets or salary.

To be able to apply for a Creditas loan online and thus have access to this credit, you simply need to meet the basic requirements for each modality and make the application online.

Therefore, from the Creditas website you can simulate your loan and start the entire application process.

Therefore, if you want to know more about how to apply for a Creditas loan online, just check out the following post which shows in more detail how this process works.