First, know that choosing between the Certo Agreement platform or the BMG loan may be the financial solution you've been waiting for!

In addition, both offer favorable payment terms and can be ordered online.

It is important to emphasize that they have different functions. Since the Agreement Right platform offers you the opportunity to renegotiate your debts with partner creditors.

On the other hand, the BMG bank is known for its loan options and the payroll card. With it, you will have the chance to obtain a loan with excellent credit conditions.

In conclusion, we are going to compare both and show you which one is best for your case. So, follow the advantages, disadvantages and complete information to choose the right option for you. Let's go!

Above all, know that the Agreement Right platform is not a financial institution. This means that it will only intermediate your negotiation with creditors.

The idea of the platform is to give people chances to get out of debt. To do this, simply access the website, inform the CPF and register. Once this is done, wait for the pending items to be lifted.

After that, the trading offers will be presented. Thus, you can choose the ones that fit in your pocket and close the deal with the creditors. After this process, just print the slips and start paying.

Remember to assess whether you really are able to honor the payments, as the interest charged for delay in the negotiation installments can be much higher than the original debt.

BMG Bank has a 90-year history and has been offering loans since the 1970s. Likewise, it has options for payroll loans, loans with guarantees and personal loans, aimed at negative people.

Although it has several options, the most important thing is that each one is indicated for a specific type of audience. Personal credit is for retirees, pensioners and civil servants, as well as payroll loans.

Equally, the secured loan is aimed at these people, but also anyone. This means that you need to provide security to the bank. Therefore, in that case, it is necessary to have a vehicle or property paid off to give as collateral, for example.

So, go to the BMG page, run the simulations and decide which one is best for your case. Also, find out the value of the installments and the total to be borrowed.

Primarily, the platform helps you settle your debts, but for that, you need to be able to afford installments, for example. What stands out most about the process is its ease of use.

That's because you just need to insert the CPF to know in a few minutes what your debts are and how you can pay them. In addition, it is possible to get up to 99% off.

In addition, make agreements with installments from R$100 and have the chance to have credit in the market again.

It is important to highlight that the BMG loan offers excellent payment conditions. Thus, in the case of payroll loans, the customer pays up to 96 installments without having to weigh heavily.

Also, the interest rate is considerably lower compared to the market. For example, in payroll, the rate is fixed at 1.80% per month.

We must not forget to mention that BMG loans can also be applied for by negative people, as long as they are public servants or beneficiaries of the INSS.

Finally, hiring can be done online on the bank's website or at Help! spread across Brazil. Thus, after the process, you receive the money and manage to pay off your debts.

The main disadvantage of the platform is that it only intermediates the negotiation, that is, it has no responsibility for the agreement made between you and the creditor.

Therefore, it is necessary to be very careful during the negotiation. Furthermore, you can only negotiate debts with platform partners. Therefore, there may be issues that are not covered by it.

For example, it is certain that debts with Santander, PagBank, Itaú, Havan, Bradesco and Vivo will be negotiated. While with other companies, no.

First, access to BMG loans is limited. Since most of them are focused on civil servants, as well as INSS retirees and pensioners.

In the case of a secured loan, the process can be more bureaucratic, as it is necessary to send documents and wait for the property or vehicle to be inspected.

Now that you know the pros and cons of both financial products, it's easier to decide which one can help you solve your problems, isn't it? Then read on for our final summary.

So, were you able to choose between the Certo Agreement platform or the BMG loan?

Just to exemplify, both have options for negatives. In the case of BMG, you get loans that can help pay off your debts. While on the Agreement Right platform, it is possible to negotiate your pending issues with creditors.

But it is important to remember that both have limitations, since BMG only accepts public servants and INSS beneficiaries and the Right Agreement does not cover all establishments and banks that may be creditors of your debts.

Whether you like it or not, getting out of debt is very important. And both options can help you in this endeavor!

But if you want more tips to get rid of financial backlog this year, how about checking out our guide? So click on the recommended content below and check it out!