Well, we know how complicated it is to need money when you don't have a job and you can't ask a relative or third party to help you in this difficult time. So, if you need a way out to pay your bills, know that it is indeed possible to apply for an unemployed loan. Today, we're going to show you what you can do to get yours. 

So, read on and find out what process you should follow to get this financial aid and catch up on your pending issues. Let's go?

So, if you are unemployed, you will hardly be able to prove income when applying for a personal loan and this can make the process a little difficult, since the financial institution does not have a guarantee of your ability to pay.

However, there are different options and types of loan for unemployed in the financial market. A good option is the secured loan, where you offer your property or vehicle to the creditor who requested the loan and in exchange have access to higher values and reduced interest.

But, if you don't have any valuables to your name, there are options available too. However, the lack of guarantee is compensated with interest rates, which end up being much higher as it is considered a risky financial operation.

First, before applying for a personal line of credit, it is important to analyze what your real need is. That's because, in addition to the interest being higher for those who can't prove income, you could end up getting even more indebted if you can't make the payments. So, check what options are available to you and assess the value of the installments to make sure you will honor your financial commitments.

So, to facilitate the approval of your loan, it is important that you keep your name out of credit protection agencies. In addition, a positive score with Serasa can be an excellent differential when it comes to credit analysis. 

First of all, you need to look for a good financial institution that offers interest rates at a fair value and has good credibility.

So, just separate the documentation, such as RG, CPF and proof of residence to make the request. Additionally, you may need to provide a trusted contact for the company to verify the information provided. 

Well, now that you know what to do to get your loan for the unemployed, we have separated some institutions that offer this line of credit. 

Therefore, read on to find out what they are and check out their characteristics to assess which one best fits your current financial situation. Let's go?

Simplic offers a loan without bureaucracy and in a completely digital way through its official website. So, to request yours, just inform the amount and in how many installments you want to pay. It is necessary to fill in the registration form with your personal data and the answer to your request will arrive at the e-mail address provided within 24 hours.

In addition, the available amount is up to R$3,500, which can be paid in up to 12 installments and interest rates can reach 17,90% per month. It is also important to point out that it is necessary to have an account with Bradesco, Caixa, Itaú or Santander banks to apply for the loan, since the installments are automatically debited.

So, check the table below with the main features of the Simplic loan and continue reading through the recommended content to apply for yours!

First, Finanzero works as a loan intermediary on a digital platform. In this sense, you do the simulation on the official website, with the value and quantity of installments you intend to make the payment and Finanzero finds the financial institutions with the best proposals for you according to your credit profile.

So, the amounts available can vary from R$500 to R$40 thousand, with installments of up to 36 installments and a maximum interest rate of up to 18,01% per month. However, these numbers are not pre-fixed and depend on the assessment made by the institution that offered you the credit.

Therefore, check below the main features of the Finanzero loan and learn more details about the application process through our recommended content!

Well, the Cashme loan works in the form of a loan with a property guarantee. That is, you can apply for this line of credit even if you have name restrictions, as long as you offer a house or apartment in your name as collateral. 

So, if you fit into this category, you have access to a loan with one of the lowest interest rates on the market, starting at 0.85% per month and you can divide the installments of the amount made available in up to 240 months. The loan limit depends on the valuation of the property, but the initial amount is R$50 thousand. 

The application process is done through the website, without bureaucracy and in a simple way. So, get to know the characteristics of this line of credit in the table below and check out the recommended content with more details on how to apply for yours!

First, Bom Pra Crédito is a digital platform that works as a bank correspondent for more than 30 financial institutions in the market. So, when filling out the registration with the request for your credit line, fintech connects you to all the creditors that are willing to lend you the requested money. That is, Bom Pra Crédito does not carry out the transactions, but intermediates your loan. 

In this sense, Bom Pra Crédito guarantees reduced interest from 0.75% per month, as well as up to 36 months for installment payments. However, the values may vary according to the credit analysis carried out by the financial institutions that offered the line of credit to you.

So, to learn more about this loan and learn more about the application process, check out the table below and read on through the recommended content!