For many Brazilians, obtaining a personal loan is a way to make dreams come true, acquire assets and even pay off debts. With so many options on the market, it can be difficult to choose the best option to take out a loan. It is necessary to do research, understand your reality, know interest rates. And also deal with financial planning to be able to sustain the installments.

In addition to the difficulty of getting credit with a low score or being negative. This is the case for many Brazilians. With the unemployment rate rising, more people had to deal with debt. Therefore, obtaining a personal loan has become a good alternative to avoid abusive interest rates on credit cards, for example. Still not sure which option is best for you?

In today's article, find out how to get your personal loan in 2022 and learn about some market options. Let's go?

First, you can start looking for institutions, banks or financial correspondents. It is essential to understand the proposal of each one, as well as their interest rates and CET (total effective cost). Ideally, your personal loan should always be the one with the lowest possible CET. That done, it's time to run after credit approval.

In order to obtain a personal loan, it is usually necessary to have a minimum income or some asset as collateral. However, with so many platforms and fintechs on the market, personal loans are getting closer. In some cases, only sending documents can release the amount.

It is important to point out that in all companies that offer loans, sending documents will be essential. Therefore, have your CPF, RG, proof of residence and proof of income (some banks ask for it, even without the minimum income).

With this information, banks are able to carry out a profile analysis and stipulate a pre-approved credit value. As well as interest rates that will fit your pocket. 

This depends a lot on the financial institution and your credit analysis. There are institutions that seek to offer loans even to those who have a low score or are negative. However, getting the much-dreamed personal loan may take a little longer, due to the low score.

Furthermore, it is also possible that interest rates will end up being higher. Even so, it is worth doing a simulation in several institutions. In this way, you can simulate the different forms of borrowing and be able to compare each one.

Debts are a reality for many Brazilians, as well as the desire to get out of them. Therefore, it is very common for those with the “dirty name” to still seek loans. Hoping to pay off debts. And there's good news.

It is possible to obtain a personal loan even if you are negative! Nowadays there are several companies that analyze your profile and your needs. Thus, they can propose a value that works in their reality. 

So, if you dream of getting out of debt in 2022, check out some financial institutions that offer personal loans. We have listed 6 institutions for you to understand the advantages and disadvantages of each one. Keep reading.

Follow the 6 options of institutions that offer personal loans. Let's go!

Agibank's personal loan was even made for pensioners, retirees, military personnel and civil servants. With quick release of credit, the bank has low interest rates and payroll deduction. Furthermore, in credit approval, Agibank does not consult the SPC or Serasa, which is the difficulty of many people. Check more details:

Bom Pra Crédito is the first online credit platform in Brazil. Loan simulations can be done directly on the website, in a simple and fast way. Credit offers can be made through the website, with a response within 5 minutes. To do this, just send some information, such as CPF and full name. See the details:

Lendico is now called Provu, and is also an online personal loan option. Provu can be a good option to get a personal loan, as it has personalized interest rates and payment in up to 36x. Customers who sign the contract up to 1 pm, have the money available on the same day in their account. In addition, they have rates starting at 1,99% am

Crefisa has a loan aimed at retirees, pensioners and civil servants. In addition to offering quick cash release, the entire process is 100% online. And an advantage for those who prefer to resolve in person: Crefisa has more than 1,000 service points throughout Brazil. So, it is also possible to carry out your personal loan simulation at one of the points.

Sim offers unsecured personal loans. Ideal for those who need quick money and without bureaucracy. With the possibility of paying the first installment in up to 45 days. A differential of Sim is that the entire process is carried out using Santander bank technology. From credit analysis to the payment of loan installments. Therefore, it is a good option for those who already have a Santander account. Take a look at the details to get your personal loan below.

SuperSim is the institution with the fastest release. Money falls into the account within 30 minutes. The company offers a loan option with little bureaucracy and the process can be done online 100%. In addition, SuperSim has the highest approval rate on the market.

With all these options, maybe it will be easier to pay off debt and finally get the personal loan. Every financial move requires research and planning. All this to not become a snowball. Choose the best option for your pocket and start 2022 by paying your debts or fulfilling a financial dream.

In addition to these tips, there is also a secured loan modality. Check it out in the recommended article below!