In 2021, the number of defaulters in Brazil rose considerably, this is due to the crisis that affected countries around the world, hence also the increase in the number of people who resorted to personal loans. And do you know, what is the lowest interest rate for a loan?

Unfortunately, despite being a way to pay off debts, the loan also has high interest rates, so we're going to show you which banks have the lowest rates in 2021!

So, keep reading to learn how to evaluate the lowest interest rate and other useful information!

So, to find out the lowest interest rate for a loan, the best option is to compare the rates available on the market, because each negotiation is subject to credit analysis, meaning rates vary from person to person.

It is important to mention that interest rates on personal loans, overdrafts and revolving credit are among the highest on the market.

On the other hand, types such as payroll-deductible and guaranteed loans have reduced interest rates, as well as different conditions with a lower risk of default on the part of customers.

Furthermore, you can request a loan from traditional banks, as well as credit unions, digital banks, financial institutions and lending fintechs, making the loan even more accessible for all Brazilians.

Therefore, below we will bring you some options for you to evaluate and compare rates!

So, let's get to know 05 options with lower interest rates! Check out!

So, the Banco Santander loan has interest rates starting at 0.90% per month, with a grace period of up to 120 days to pay the first installment, which can be paid in up to 72 installments.

Furthermore, to request the loan, simply access the Santander website or go to one of the Santander branches.

So, the loan from Banco Nubank has interest rates of 3.89% per month and 58.03% per year with a grace period of up to 90 days to pay the first installment.

Furthermore, you can pay the installments in advance to receive discounts, but it is important to mention that, to access the loan, you must be a Nubank account holder!

Therefore, Nubank is one of the digital banks with the most customers today as it offers several exclusive offers and conditions for customers, such as loans!

So, the loan from Banco Superdigital has interest rates starting at 1.6% per month and can be paid in up to 18 months in installments.

Furthermore, the lower your score, the better the interest rates will be and there is no need to offer a guarantee for contracting!

So, the loan from Caixa Econômica Federal has interest rates starting at 1.34% per month with a grace period of up to 120 days to pay the first installment.

Furthermore, to request the loan, simply go to a Caixa branch, Caixa Aqui Negocial or business unit.

Therefore, Caixa innovates once again by bringing a great loan proposal, so just compare the other options on the market!

So, the Banco do Brasil loan has interest rates starting at 0.85% per month, with a grace period of up to 120 days to pay the first installment with a minimum value of R$100.

Furthermore, to request the loan, simply access the Banco do Brasil website, the BB app, ATM branches or the Banco do Brasil Customer Service Center.

Therefore, Banco do Brasil offers a great loan proposal and a lot of comfort, as you can apply directly from your home, without having to go to a branch in person!