Are you in doubt whether to apply for a Rebel loan or a Creditas loan? In summary, these two options manage to release great credit values and work with low interest rates.

However, the Rebel loan seeks to carry out a more personalized analysis of your profile, and works by offering only a personal loan.

On the other hand, the Creditas loan offers three different types of loan, but may have a more bureaucratic application process, even though it is online.

In this way, it can be difficult to know how to choose the best option between the two loans. Therefore, in the following post, you will see a complete comparison so that you can leave here knowing which loan to apply for. Check out!

First, to know how to choose between the two loans, it is important to know them in depth and understand their main characteristics and how they work.

So let's start by taking a closer look at the Rebel loan. This fintech that emerged in 2015 is basically an online portal that works as an intermediary between you and the other partner financial institutions. 

That way, when you enter the portal, you can do a loan simulation and receive credit offers from different financial institutions in one place. Thus, you can better and calmly analyze each option.

But in addition, Rebel has a very powerful platform. Its search for offers is completely personalized for you!

This happens because it uses an artificial intelligence that can analyze your financial behavior and thus offer loan options that really fit your reality.!

That way, from Rebel, you can access up to R$ 50 thousand credit and have it in your account within 1 business day after signing the contract. In addition, it allows customers to start repaying the loan within 45 days.

Now let's get to know better the main characteristics of the Creditas loan and find out a little more about how it works.

Therefore, Creditas is a loan platform that has been operating since 2012. It emerged as a loan comparison portal, like Rebel, but today it works by offering its own credits to lend.

Therefore, based on its experience as a comparator, Creditas currently offers three types of loans:

Thus, in the payroll loan modality, you can borrow up to R$ 70 thousand and pay off the loan in up to 60 months.

The loan with vehicle guarantee allows you to access up to R$ 150 thousand of credit and pay the same within 60 months.

Finally, the loan with property guarantee allows you to access larger amounts, up to R$ 3 million, and pay off the loan in up to 240 months.

In this way, in terms of secured loan, you can use up to 90% of the vehicle's value or up to 60% of the property's value as credit for you.

Thus, from Creditas, you can access a higher amount of credit, in addition to having the opportunity to pay it for a longer period of time.

And the most interesting part is that, even if the property or vehicle is linked to the loan, you can continue to use your assets normally and access credit.

First of all, it is essential to know closely the positive and negative points of the two loan options to know which one to choose.

Therefore, the Rebel loan offers the advantage of a low interest rate, which starts from 1.90% per month. In addition, you can get a good discount on the installments when you make the payment in advance.

And to make your life easier, Rebel also offers loans for different purposes, such as moving, marriage and even property renovation. Each of them may have different interest rates for you to take advantage of.

Finally, the Rebel loan is completely online and has great transparency regarding the loan process, where you can check all the information in your application.

On the other hand, the Creditas loan also has very interesting advantages. Starting with the fact that you can access a high amount of credit and pay lower interest rates than other companies on the market.

In addition, its secured loan modalities allow you to be approved even if your asset is not yet paid off. Here, you still have the opportunity to use part of the loan to pay off the good.

Finally, the Creditas loan also allows you to use a good part of the value of your property or vehicle in the loan, where you can turn it into credit.

Now, the time has come to learn about the negative points of taking out a loan with Rebel.

Therefore, one of the main points to consider is the fact that Rebel's loan is not available for negatives. Thus, those who have a dirty name will hardly be able to get approved for this loan.

Another downside is its interest rate. Despite being low, it can vary according to the profile and reach up to 9.90% per month.

Finally, another disadvantage is that to carry out a simple credit simulation, you will need to register on the platform, as it performs a different analysis.

Creditas also has some negative points, such as the fact that it only offers secured and payroll loans.

In this way, those who do not work as a CLT or who do not have a good in their name may be prevented from accessing this loan.

In addition, its credit contracting process is also a negative point, since it tends to be more bureaucratic due to the stages of analysis of the state of the good.

The Rebel loan and the Creditas loan have great benefits for you. In summary, from them, it is possible to access a good credit value and manage to have lower interest rates.

Therefore, if you have a positive credit history and need to borrow up to R$ 50 thousand, Rebel's loan can be a good option, as the chances of accessing a low interest rate are greater.

On the other hand, if you already own property or are a registered employee, and need to access values greater than R$ 50 thousand, the Creditas loan can fit well into your financial life.

But in addition to the Rebel loan or Creditas loan, it is important to consider that there are other loan options that you can look into.

So, if you didn't like these options very much, you can learn more about the Caixa loan and the BMG Bank loan in the following post!