Mister Panda today brings in this content a review on the Agibank loan. Therefore, here you will be able to find out about the values, fees, terms and everything else of the service offered. In addition, we will see if it is really worth applying for the Agibank personal loan.

The Agibank bank, which has been growing year after year, decided to offer an exclusive service to retirees and pensioners, civil servants and military personnel. Therefore, aiming at a service with low interest rates and excellent payment conditions.

Therefore, it is no wonder that this loan has gained a lot of popularity among the group of beneficiaries and their applicants from all over Brazil. So, due to the need to evaluate and define the quality of the service, we created this review. So, let's go deep into the details of the Agibank loan as a whole. 

Keep reading with us and don't miss any details!

First of all, see the group that can apply for this specific loan:

As we can see in this topic of the Agibank Loan Review, only people who fit into these profiles can apply for a personal loan. For this reason, payment is made on the payroll.

Thus, the discounted amount comes directly from the balance of the benefit received monthly by applicants. Anyway, this is just one more detail of this loan.

In addition, it is important to point out that the Agibank personal loan is not a payroll loan. Therefore, the personal loan has slightly higher rates than the payroll loan and is for customers who no longer have a payroll loan. In this way, the bank facilitates the request for the loan, which is also deducted from the payroll.

Another factor that makes Agibank a great bank to apply for a loan is the number of installments that the customer has access to. All this with the aim of facilitating the entire payment process.

It is also worth remembering that Agibank provides a series of numbers, where the customer can call and clarify all his doubts regarding the loan and also be assisted by the bank's attendants.

Anyway, but it's not over, let's talk about the fees and charges involved in taking out the loan!

When researching the interest rates that Agibank charges, we found information that the rates charged for loans are very low. However, the information is that they are evaluated by the creditor.

That is, until the time of the answer, it is difficult to identify exactly what the interest rate practiced by Agibank would be. However, on the website there is a simple example at the bottom of the page.

In the case of a loan of R$1,532.00 to be paid in 72 months, it would generate an interest rate of approximately 2.08% per month. With an IOF and CET rate of 33.93% per year.

That is, the interest rate on the loan is based on this amount. But for a better comparison, it is essential to use a credit simulator before hiring, or even contacting the bank.

Remembering that in addition to interest, we also charge CET fees, which range from 33.97% to 39.48% per year.

As we can see, the interest rate on the loan is not as explicit as we would like, but we can see that the CET rate is quite high compared to loans from other banks and financial institutions.

However, we must understand that one of the factors responsible for the increase in interest rates is the number of installments chosen when applying for the loan.

In this sense, we can carry out an installment payment of up to a maximum of 84 months. However, the greater the number of installments, the higher the interest rate tends to be. That is, in addition to the loan amount, the number of installments will also influence this definition. 

Regarding payment terms, as mentioned, the amounts are deducted directly from the customer's payroll. 

There are 84 months to pay off the loan, a period that brings a lot of peace of mind to applicants so that they can organize themselves financially and not let their income be completely committed to the loan.

After we apply for the loan, Agibank analyzes the request and delivers the answer and money to the account within a maximum of 1 business day according to the website.

In addition, we have at our disposal a maximum amount of R$10 thousand to request. Therefore, we can use both the installments and the available amount in our favor to enjoy a great loan.

100% online! It is not necessary to leave your home to carry out the entire Agibank personal loan application process. 

Unlike the payroll loan, the Agibank personal loan does not approve for negatives, even though the payment of the installments is deducted from the customer's payroll.

In addition, the Agibank website does not accurately inform the values referring to credit, but the creditor performs the analysis at the time of the request and after that we have the interest rate values.

Which, by the way, can be quite high depending on the amounts involved in the requested loan.

Within this last topic, we will follow, step by step, how we can carry out the Agibank loan application process in a simple and fast way.

Then see the documents required by Agibank so that we can apply for a personal loan:

After all the documents in hand, let's go step by step to apply for the loan:

Finally, with the request sent, Agibank and its team will analyze the request and respond within a maximum of 1 business day. That is, in a period that usually does not exceed one day, we will have our money in the account.

Did you like the information we provide in this review about the Agibank loan? For more details on how to order yours, check out our recommended content.