loans
Zema loan or Alfa Financeira: which one to choose
Be it Zema Personal Loan or Alfa Financeira, both are good choices but have their own advantages and disadvantages. So, before hiring, see a comparison between them here!
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Zema or Alfa Financeira: find out which one is right for you
Personal loan Zema X Loan Alfa Financeira is a difficult choice. In this sense, comparing products is important, especially to choose the best one for you!
One of the loan modalities is at Zema Stores. So, if you are looking for extra money without complications and impediments, Zema Personal Loan is a great alternative!
Above all, the Alfa Financeira Loan is a simple, bureaucratic and quick option. This is because the institution has partners that guarantee quality loans, present in the financial market for 90 years.
How to apply for the Zema loan
Do you want to learn how to apply for the Zema loan with extended terms, quick release and reduced interest rates? Then continue reading to learn the step by step!
How to apply for the Alfa Financeira loan
Do you want to learn how to apply for the Alfa Financeira payroll loan, which has exclusive terms and rates? Then continue reading to learn the step by step!
Zema | Financial Alpha | |
Minimum Income | not informed | not informed |
Interest rate | From 3,99% to 12,99% am | Between 2,50% am and 69,59% aa |
Value | Analyzed by the lender | R$2,000 to 35,000 |
Deadline to pay | Up to 24 months | Between 6 to 24 months |
Deadline to release | Up to 1 working day | Up to 48 hours |
Do you accept negative? | No | Uninformed |
Benefits | Payment of installments in the booklet, by debit, or check. | Online Loan; Bank slip |
Zema Loan
The Zema Personal Loan is an alternative to taking out credit on the market. In this sense, if you are looking for loans without impediments or without complications, just apply for the Zema Personal Loan!
There are several types of credit that Zema offers, in addition, the institution has more financial solutions, such as: insurance and loans.
However, its indication is for debt settlement, home renovation or travel, for example.
Shortly after hiring, the term to pay off the debt is 24 months. For retirees and pensioners, the deadline is different.
The interest rates are also one of the lowest in the market, that is, it has several exclusive advantages!
Alpha Financial Loan
Subject to credit analysis, the Alfa Financeira loan is 100% online! First of all, you will need to do a free simulation, define the amount, the purpose of the money, register and sign the contract.
Soon after signing the loan, the money will be deposited in the registered account, it is common for this process to take up to 48 hours.
However, to follow the process and generate slips, just access your account on the official website.
However, the payment term is from 6 to 24 months, as established in the contract. Above all, interest rates vary between 2.50% am and 69.59% pa, plus IOF.
In this way, the loan can be used for purchases or personal investments, such as home improvement.
What are the advantages of the Zema Loan?
Above all, the Zema Personal Loan has the following advantages:
- Credit is fast and without bureaucracy;
- Interest rates are excellent;
- Loans of up to R$15,000;
- Debt in up to 24 installments;
- Up to 60 days to start paying.
What are the advantages of the Alfa Financeira Loan?
The Alpha Financial Loan is a personal modality that does not need to provide information for the purpose of the money. However, see the advantages
- Taking out the loan is easy;
- Installment is flexible;
- Does not compromise your planning or credit.
What are the disadvantages of the Zema Loan?
One of the main disadvantages is credit analysis, as it is usually very rigorous. Therefore, it is not accessible for those with a negative name.
With the credit analysis process, the loan total is lower compared to other options on the market.
However, customers can apply for up to R$15,000 on Zema Personal Loan.
What are the disadvantages of the Alfa Financeira Loan?
However, the main disadvantage is that it is not accessible to the general public.
Zema loan or Alfa Financeira loan: which one to choose?
Finally, if you don't know which loan to choose, compare the options and choose the one that best suits your needs.
In this sense, the Zema personal loan is indicated for those looking for quick credit without bureaucracy, but subject to credit analysis.
Finally, the Alfa Financeira loan is for those who do not want to inform where the money will be invested. Anyway, compare the advantages and disadvantages of both modalities and ask for the ideal one!
But if you are in doubt, how about finding out about a third alternative: the Decolar loan. So, click below, learn more about it and see how to order yours!
How to apply for the Decolar loan
The Decolar loan, in partnership with fintech payments Koin, offers one of the best interest rates on the market. Find out more here!
About the author / Aline Augusto
Reviewed by / Junior Aguiar
Senior Editor
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