But who never went through that moment in life when the budget tightened and, with that, debts were created and not honored, which ended up dirtying your name with Serasa, right? Unfortunately, this situation is part of the reality of the vast majority of Brazilians. But there is a very easy way, unknown by many negatives, to improve their financial health: the Serasa eCred Loan.

So how about getting to know more about him huh?

Before we delve into the loan issue, we need to introduce you to what Serasa eCred is, one of the brands of Serasa Experian, leader in analysis and information services for credit decisions and business support. Known by many thanks to the Serasa Score, which is nothing more than the famous score used by banks and retailers when analyzing whether or not to grant credit to you, the company goes far beyond that, you know?

So it is! Among Serasa Experian's services, there is the largest credit marketplace in Brazil – and it is precisely there that the Serasa eCred Loan, the subject of our publication, is located. It is, in this case, the brand that bears the same name: Serasa eCred, an online platform for comparing loan and credit card rates.

Designed for the public whose name is negative, Serasa eCred is, as described on its website, like a virtual shopping mall, where you have access to loan and credit card offers from various partner companies such as banks, fintechs and other institutions. With the aim of offering the best experience and opportunity to its users, it is no wonder that the company has become the number 1 of those who want to obtain a credit to solve their financial situation

On the Serasa eCred platform, it is possible to take out a loan online, the so-called Serasa eCred Loan, quickly, conveniently and without bureaucracy. For this, you need to enter the company's website, where you will have access to the best offers made for your profile. Just answer a few initial questions and, in a few minutes, you will be able to compare rates and payment terms, choosing the most suitable for your pocket. All this 100% online and free, huh?

By the way, attention! When simulating your Serasa eCred Loan, keep in mind that there are different types of loans available to you. Are they:

Also known as “personal credit”, this is an option that is generally more suitable for different needs, such as debt payment, high-value purchases, investments, travel and much more. Generally speaking, you place your order and choose how you are going to use your money. That simple!

Do you own a home that has already been paid off? So how about putting it up as collateral? Although it seems like a rather radical idea to place your property as collateral, the truth is that, by doing so, you will get longer payment terms and the lowest interest rates on the market. In this case, it is possible to convert up to 60% of the value of your home, apartment, land or commercial property into credit. Not bad, don't you agree?

Are you self-employed and, because you don't have solid proof of income, you can't get a credit to call yours? Calm down, that changes with the Serasa eCred Loan! Documents that prove your banking activity and your good behavior as a credit payer can contribute to the approval of your loan application for self-employed.

If applying for a loan for a self-employed person is not easy at all, imagine, then, when it comes to a negative self-employed person? Can you imagine that this person's life through traditional banks complicates a lot, right? But, again, the company brings the solution. For companies, this story of “those who are negative cannot get a loan for self-employed” is a thing of the past! With it, it is possible for a negative self-employed person to obtain credit to take care of their financial health.

Make no mistake: it's not just the self-employed who can't prove income. For example: a student and an unemployed person, how do you do it? Well, it doesn't! However, as in previous situations, the Serasa eCred Loan also thought about this public. But it's important to stress: because you don't have proof of income, interest rates are higher!

Finally, the Serasa eCred Loan also has a place for negatives in general. In this case, in addition to being a little more difficult to find options with low interest rates, the public that obtains credit is more restricted. For example, civil servants, pensioners and/or retirees can have their loan deducted from their payroll or benefit, which gives them differentiated conditions and facilities in obtaining a loan.

But then, let's be honest: with six types available in the Serasa eCred Loan, it's impossible not to choose one to call yours. Impossible! Because if you still have any doubts about it, the time has come to find out about some of the advantages that this excellent product that Serasa Experian offers its customers. So let's go?

As well as offering you a huge range of loans, allowing you to find the one that suits you, there are several other advantages of obtaining a Serasa eCred Loan. Check it out:

So, you liked it, right? But know that there is more! Well, check out right now how to apply for your Serasa eCred loan in our recommended content below.