The BMG WhatsApp loan is an interesting and easier way for you to access the credit you need from a simple conversation.

Through this channel, you can apply for payroll loans or anticipate the installments of your birthday withdrawal without having to leave your home.

In addition, when signing up via WhatsApp, you can access your loan in an easy and safe way, as this famous messenger has cutting-edge technology when it comes to security.

Therefore, if you liked the idea of taking out a loan via WhatsApp BMG, check out in the post below how the request works and what are the advantages and disadvantages of it.

The BMG WhatsApp loan is just a different way for you to have access to credit with the simple exchange of messages from this famous application!

Nowadays, WhatsApp already has quality technology in relation to application security, where we can see that all messages exchanged are encrypted.

This protects the message information and reduces the risk of data theft.

As a result, BMG decided to innovate and allow the public to simulate and contract two of its loans directly through this channel.

Thus, WhatsApp is next to the BMG website and the contact telephone numbers that the company makes available for the public to apply for loans.

That way, you end up having more different ways of accessing the credit that the BMG bank offers!

Currently, the BMG bank allows its public to make the loan via WhatsApp using two modalities: payroll loans and FGTS loans.

That way, if you were already thinking about taking out one of the two loans, you can hire them now directly via WhatsApp!

But, in case you still don't know these credit options that BMG bank offers, we separate below some characteristics of each one of them.

The payroll loan is a type of credit where the value of the installments is automatically deducted from the applicant's payroll. Therefore, it can only be requested by retirees, INSS pensioners and public servants.

In this way, this public can access various amounts of credit and pay it in up to 84 installments.

And since the credit is deducted from the payroll, the bank is more secure in terms of loan repayment, thus allowing it to offer lower interest rates starting at 1.80% per month.

That way you can access a good credit value and still have different conditions to pay.

The FGTS loan from the BMG bank, on the other hand, is a modality that allows you to advance up to 10 installments of your birthday withdrawal.

That way, you no longer have to wait until your birthday month to access this value. With this loan, you can have up to 10 years of the withdrawal in your hands!

Also, in this type of loan, the interest charged is also low, and can be from 1.69% per month.

And the payment of installments is also discounted automatically, but here the discount is made in the worker's guarantee fund. So, you can take out the loan and not have to worry about paying another bill every month.

In summary, the operation of the loan via WhatsApp BMG will happen according to the contracted modality, since the bank is only providing a new channel for the user to make the loan.

Therefore, to take out a BMG WhatsApp loan, all you have to do is save the BMG number on your cell phone, which is 4002-7007, and start a conversation with him via WhatsApp.

Thus, the bank's virtual attendant will ask which type of credit you would like to take out and, from there, you will be able to send your data for analysis and proceed with the normal taking out of credit.

So far you have been able to know the main features of this loan, but is it really worth requesting it via WhatsApp?

To answer this question, we have listed below the main advantages of taking out a loan via WhatsApp BMG.

The first positive point of taking out a loan via WhatsApp BMG is the ease that this channel offers.

Nowadays, most Brazilians use WhatsApp in their daily lives and know how to use this tool very well.

And this is important because the types of credit offered by BMG are generally accessed by an older public who may face more difficulties applying for a loan from websites or applications.

As most of them also use WhatsApp, it may become easier for them to apply for the BMG loan and thus get the credit they need.

Another important point that can be seen in BMG WhatsApp loans is in relation to security.

Although it is just a messaging application, today WhatsApp has cutting-edge security technology, which makes your data always protected.

That way, you have more freedom to send documents and personal data to the bank and thus formalize the loan.

As much as the WhatsApp BMG loan has great advantages, it also has some negative points that you need to be aware of.

Nowadays, BMG bank has in its product catalog a total of 4 different types of loan, where in addition to payroll and FGTS, it also offers secured and personal loans.

However, for those who are going to apply for a loan via WhatsApp, they will only be able to access two options: payroll and FGTS.

This means that a large part of the public is unable to apply for a loan via WhatsApp, as the two permitted modalities have a more restricted audience.

Another disadvantage of the BMG WhatsApp loan is that you may end up suffering scams.

Despite the application being very secure, it is still possible for people to contact you pretending to be the bank to access your data. 

Or else they can clone your number to access your conversations and practice scams with acquaintances.

All of these scams can be easily avoided with some good security practices, but it's important to keep an eye out for this issue.

To make a loan via WhatsApp BMG you just need to save the bank number on your cell phone, which is 4002-7007.

When doing this, just send a message to this number and soon the bank's virtual attendant will talk to you to pass on the instructions on how the loan should be made.

That way, you just need to follow the instructions to be able to take out the loan via WhatsApp BMG.

If you want more details on how this request works, check the following post for a complete step-by-step on how to apply for a BMG loan through the main channels offered by the bank.