The online Crefisa loan can be the ideal option for accessing credit for those who have a negative CPF.

From this financial institution, people with restrictions on the CPF can access credit in the personal and payroll modalities and, thus, can carry out their main projects.

But, before applying for your loan, it is important to note that Crefisa works with some special requirements to be able to apply for credit.

So, to get to know them and also know in depth how the online Crefisa loan works, just continue in this post that you know everything about this option!

Namely, Crefisa works by offering the public two types of loan: personal and payroll.

In each of them, you can access different credit values and different conditions to take advantage of.

Therefore, we separate the main information about each of these modalities so that you can know which one is ideal for you.

First, we have Crefisa's personal loan, where you can apply without adding any asset as collateral.

In this way, this loan becomes more accessible for many people, since it is only necessary to apply for it and wait for the bank's credit analysis.

And to make it even easier, the loan is fully available to those who are negative! But to access it, you need to be:

Thus, by matching one of the profiles listed above, you will already be free to apply for your credit.

The payroll loan, on the other hand, is a type of credit where the value of the installments is automatically deducted from your paycheck or from the social benefit you receive from the government.

In this way, this modality is made especially for those who are:

Thus, by fitting one of the two profiles, you can now access this Crefisa loan online!

The request can be made from specific Crefisa phones, via WhatsApp and also from the financial application for account holders.

The online Crefisa loan works in a very simple way! From it, you can do a credit analysis that approves a specific amount you can request.

Thus, you can proceed with the operation and take out the loan completely online or from the company's application.

By contracting the credit, you can receive the money in your account within one business day and, therefore, use it as you wish.

At first, as Crefisa offers two types of loan, the term conditions may change a little.

Therefore, when applying for a personal loan, you can pay it in up to 18 months and you have up to 45 days to start paying the first installment.

On the other hand, those who take out the payroll loan can pay it in up to 84 months and start paying within 60 days after hiring

In both modalities you can receive the money in up to 24 hours and access attractive interest rates according to your profile.

When we are going to make a loan, the first information we want to have about it is in relation to the amount that can be released.

However, this amount will be defined according to a credit analysis, where the institution verifies that you are a good payer in order to decide the amount to be released.

In this way, in the online Crefisa loan it is not possible to know the maximum value that the company works offering to the public.

However, Crefisa discloses that, for payroll loans, the minimum amount that can be borrowed for new contracts is R$ 500.00.

When looking for a good loan, it is common to still be in doubt whether it is worth doing this operation.

After all, when taking out the loan, we end up committing part of our monthly income to repay that loan.

Therefore, it is necessary to know if it is really worth taking out the Crefisa loan online. For this, we separate below the pros and cons of this request.

In summary, the Crefisa loan online has many positive features that attract the public when hiring it, such as:

In addition, the online Crefisa loan also offers an additional 5% payroll loan for INSS beneficiaries.

That way, they can access a higher credit amount, as it is possible to have a larger installment too!

Now looking at the negative points of the Crefisa loan online, we can see that, in both modalities, they only accept civil servants and INSS retirees or private pensioners.

Thus, anyone who is self-employed or works as a CLT in a private company cannot access this credit.

In addition, although the personal loan can be requested online, the payroll loan can only be contracted over the phone, which is also a negative point.

In short, to be able to access the Crefisa loan online, you must meet the requirements of each type of loan.

So you can proceed to order them. That way, if you choose the personal loan, you can go to the Crefisa website and start applying for it by filling out a form.

But, if you prefer to continue with the payroll loan, you can only hire from WhatsApp or on the following phones:

And if you are a Crefisa account holder, it is still possible to apply for the loan directly through the Crefisa Mais application.

To know more details about this request, you can check the post below that has all the information about taking out the Crefisa loan online!