If you are interested in obtaining a Portocred Loan, but would like to know more information about its advantages, then know that you are in the right place! In this text, we will talk more about the benefits of the credit offered by the institution to you. Shall we know more?

Before delving into the advantages of Portocred Loans, it is important to remember each one of them and their main characteristics. As you already know, there are three:

With regard to the first modality, it is an easier loan to obtain, but it is not available for negative ones. As the focus of our text is to present alternatives for this group, then we will focus on the next loans: Consigned for Public Servants and Private Consigned.

Both the Payroll Loan for Public Servants and the Private Payroll Loan work the same way: you can contract a debt of up to R$70 thousand, which can be paid in up to 96 installments. With rates lower than the market average, the debt is deducted directly from your payroll or from the benefit of retirees or pensioners.

What differs the Portocred Consigned Loan for Public Servants from the Private is precisely the partner institution of the financial institution and, therefore, which people have access to this credit. In the first case, it is available only to active servants, retirees and pensioners of the State, the Judiciary and the Municipality of Canoas, all in Rio Grande do Sul. The second is only for employees of companies that have an agreement with Portocred.

Now that we've refreshed our memory on the modalities of Portocred Loans, it's time to find out what other advantages they offer their consumers. It is worth remembering that, as there is almost no difference between Public and Private Consignment, the benefits are basically the same, which allows us not to make a distinction between one and the other.

Without a doubt, one of the main advantages of the Portocred Loan is precisely the absence of bureaucracy when applying for it. Presenting only your CPF, RG, proof of address and your salary statement, you will be able to have the money you needed to fix your financial situation once and for all.

Already considered the largest financial institution in the state of Rio Grande do Sul and currently recognized by the GPTW for the third consecutive year as one of the “Best Companies to Work For”, Portocred is safe and fully transparent with its customers. No wonder, among the main values that guide it, are ethics and transparency, business solidity, agility and simplicity. In other words, taking a Portocred Loan means having the guarantee that you won't have any problems ahead of you.

Although it is a company founded in Rio Grande do Sul, Portocred is present throughout Brazil. With 15 stores and 4 advanced service points spread across the country, in addition to its more than 2,200 points of operation and more than 200 partner companies, it is almost impossible not to find a location close to you.

Certainly, because it is a payroll loan, one of the greatest advantages of the Portocred Loan is precisely the fact that you do not run the risk of having your name negative. The reason for this is simple: as the debt is deducted directly from your payroll, there is no possibility of not paying it off on the due date.

Already making the link with the advantage above, another one that stands out a lot is the fact that you will have greater financial control. "Like this? - you must be asking yourself. The answer is simple, actually! In addition to not having to worry about paying off your debt every month, since it is already deducted from the payroll, you learn to live on a reduced salary.

This is a point that we have mentioned before, but it is worth unraveling further. Like most payroll loans, the Portocred Loan has very low rates compared to other loans. For example, failing to pay off your credit card on time can cost you a fortune and turn into a huge snowball just because of excessive interest and fees! So, a good solution for those who are in debt is to exchange the debt for a lower cost, as is the case with Portocred.

So, did you like what you saw? Probably yes, as it is difficult not to be enchanted by the Portocred Loan and its enormous range of advantages and benefits. So, the moment of truth has arrived: how to apply for it? In the next text, we will talk step by step on how to be part of the most privileged group in Brazil in terms of loans. Shall we know more?