Have you heard about loans via WhatsApp? This is a new way of taking out loans of various types that many banks are starting to adopt.

After all, this chat app is the most used by Brazilians and has cutting-edge security technology where all messages are encrypted.

In this way, this simple messenger can offer the necessary security to carry out banking transactions, such as transfers, queries and even requesting a loan.

So, if you want to know more about loans via WhatsApp and see how it works in practice, just keep reading this article which is packed with important information.

Firstly, lending via WhatsApp is nothing more than a way for banks to allow loan requests.

Nowadays, many banks allow the public to take out loans through digital means, such as their websites or apps.

However, as WhatsApp is an application widely used by Brazilians, financial institutions saw it as a possibility to make it another digital channel through which the public can access credit.

Thus, using WhatsApp, the loan application process becomes simpler and more practical, where with just a few exchanges of messages you can access the credit you need.

The way a loan via WhatsApp works is actually very simple. It all starts with you saving the WhatsApp number of the bank or financial institution where you intend to apply for the loan on your phone.

This step is essential because only you can take the first step of contacting the bank and requesting the loan. Always remember that no financial institution contacts you offering loans.

With the number saved, you just need to start a conversation with the bank and a virtual assistant will speak to you and send you the necessary instructions to proceed with the request.

In this sense, during the conversation, your personal data and documents may be requested to carry out the credit analysis. Once everything has been sent and approved, the bank will proceed to send the contract, which can be signed digitally.

This way, when you sign the contract, you can wait until the loan money is released into your bank account.

Many people may be unsure whether it is really worth taking out a loan via WhatsApp.

As it is seen only as a chat application, it is common for this doubt to arise, especially regarding the security of the process.

Therefore, to make sure that taking out a loan via WhatsApp is a good choice for you, we have listed below the main advantages and disadvantages of applying for credit via this channel.

The main advantage of applying for a loan via WhatsApp is its ease. Nowadays, everyone uses the app and can easily send messages.

This way, the process of applying for a loan can become even easier. Furthermore, because it is an app, it is possible to access credit without having to go to a bank.

This way, you can talk to the financial institution during lunch at work and even at night, since the virtual assistant at most banks works 24 hours a day, offering you more flexibility!

On the other hand, lending via WhatsApp can be an unsafe operation since there are currently several scams being carried out using the application.

They can duplicate your number and access conversations or pretend to be a bank and offer you a loan where you need to transfer an extra amount first.

So, when carrying out this type of operation, you need to be careful not to fall into the hands of a scammer.

In short, there are some banking institutions that are offering loans via WhatsApp. Below you will find some of them.

Banco do Brasil is one of the most established banks in the country and was the first banking institution to offer loans via WhatsApp. 

Today, the bank allows you to take out personal loans via WhatsApp. Here, users can access excellent credit conditions.

In addition, the loan has a grace period of 60 days, where you have up to 2 months to start paying the first installment.

To apply for this loan, simply call 61 4004-0001 and start chatting with the bank's virtual assistant to access the credit.

Crefisa is also a well-established financial institution in the market that is aware of new developments and seeks to bring more practicality to its services. Therefore, today it allows the public to request a loan via WhatsApp.

The company works by offering personal loans where it is possible to pay the first installment in up to 45 days and access monthly interest from 1,50% per month.

Furthermore, the loan can be paid in installments over up to 24 months, with the money being deposited into your account within 3 days.

Therefore, to request this loan, simply contact Crefisa's official WhatsApp number, which is 11 98806-0603 and talk to Cris, the institution's virtual assistant.

Taking out a loan via WhatsApp is very easy. To do so, you just need to save the number of the bank you want to apply for on your cell phone.

With the number saved, simply send a message and let them know that you would like to take out a loan.

Once this is done, the virtual assistant will provide you with further instructions. Simply follow them and you will be able to access your loan via WhatsApp.

If you want to know more details about Banco do Brasil credit, access the recommended content below.