At some point in our lives, we go through certain financial squeezes that we can't get out of anytime soon. With this, our name is negative, creating, as a consequence, several difficulties in the bank with regard to obtaining its services. Among them, credit to settle the debt that drags on for so long. But calm down that this situation now has a very viable solution! With the Portocred loan, those who are negative get the money they dreamed of so much to fix their finances. Wassup how about finding out more?

Founded in 1996 in the capital of Rio Grande do Sul, Porto Alegre, and elected the largest financial institution in the state in 1999, which was repeated for three consecutive years, Portocred is an institution that offers consistent Credit, Investment and Financing solutions accessible to entire population. Present throughout the country, the company seeks to meet the needs of Brazilians by being a more convenient and flexible option than traditional banks.

Among the main values that guide Portocred are ethics and transparency, business solidity, agility and simplicity. Still, according to its philosophy, everyone deserves credit and the path to a full financial life is within reach of anyone. For this reason, with the company, credit and investment have become something simple, accessible and, above all, inclusive.

To ensure peace of mind when taking out a loan, Portocred offers personalized, fast and bureaucratic service. In fact, its concern to provide a good experience is even reflected in the relationship with its employees. In 2019, the institution was recognized by GPTW for the third consecutive year as one of the “Best Companies to Work For”.

In fact, Portocred lives up to the propaganda of being a place where the other is a priority. No wonder, the company was chosen as one of the best options for those who are negative, since it offers loans without consulting the SPC/SERASA and with low interest rates. Learn more about them!

Since 2009, Portocred began to expand credit operations for individuals by offering Personal Loans by check. Five years later, the institution launched new products, such as the Private Payroll Loan, which is one of the best, if not the best, option for those with CPF restrictions.

However, many are mistaken who believe that only the Private Payroll Loan is the only alternative for those who are negative at Portocred. The institution offers three options, two of which are accessible to any Brazilian – with or without a dirty name. Are they:

Each one of them has its advantage and, for this very reason, there is no one who cannot find a loan option to call their own. So, want to find out which one is best for you? So let's get to know each one of these Portocred loans in more detail.

Like most financial institutions and banks in Brazil, the Portocred Personal Loan is perfect for those in a hurry, as it is one of the fastest and most agile to obtain. In the case of PortoCred, this service works as follows:

Unfortunately, not everything is rosy. This Portocred Loan option is not available for those who are negative, but it is possible for the user to make a new loan request and a new credit assessment after 30 days.

If the Portocred Personal Loan is not available for those with restrictions on their CPF, the same cannot be said about the Payroll Loan for Public Servants. Just like Private, which we will talk about below, this is one of the best options on the market for those who have a dirty name and cannot get credit at other financial institutions.

The first information you need to know about the Portocred Consigned Loan for Public Servants is that it is aimed at active servants, retirees and pensioners of the State, the Judiciary and the City Hall of Canoas, all in Rio Grande do Sul. Still, another important detail is that the payment is deducted directly from the customers' payroll.

Just like the Portocred Personal Loan, which was mentioned earlier, the money from the Payroll to the Public Servant falls into your account in a matter of minutes and your first installment can be paid in up to 60 days. Did you like what you saw? Calm down, there's still more! What was already good personally, got even better in this type of loan. This is because it has even more advantages, which are:

If you liked this option, but do not meet the required requirements, there is still the option of Portocred Payroll Private Loan. This one will definitely suit you!

Before we get into the main characteristics of the Private Payroll Loan, we need to understand its difference in relation to the one available for the public services listed above. Basically, what differs from one another is that, in the private sector, the finance company or the bank necessarily has to have a partnership in the place where it works. That is, the Private Payroll Loan will only be available to employees of the associated company.

Now that you know how to differentiate one Portocred Payroll Loan from another, you need to keep in mind that everything else is practically the same. That is, its advantages remain the same:

Although Portocred offers a loan option for those who are not negative, the focus of our text is to help those who encounter difficulties in more traditional financial institutions due to their CPF restrictions. If you are part of this group and are lucky enough to work in a place that has a partnership with Portocred, then be sure to learn about the other advantages of the Payroll Loan from the finance company. Have no doubt that you will be amazed!