finance
All About Credjet: The Place for Fast Borrowing
Are you in need of quick cash? How about getting to know Credjet, a bank correspondent that offers personal loans to anyone in need without any bureaucracy? Be sure you won't regret it!
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Have you heard about Credjet? If not yet, then it's time to get to know it, because, without a doubt, it is one of the best options on the market for those who want quick and easy money. Come find out more!
What is Credjet?
When we talk about personal loans, the idea of a finance company or a bank immediately comes to mind, right? Well, know that this reality is far from belonging to Credjet because, in fact, it is a MONEY PLUS SCMEPP LTDA banking correspondent that works as a facilitator of customer access to products and services offered by partner institutions, such as credit.
With the aim of making your life easier by granting special credits so that you can settle your debts with peace of mind and get out of financial tightness, Credjet offers a fast, easy, safe and hassle-free personal loan. The process is so agile, but so agile, that the money can fall into your account within a maximum period of up to 48 hours. And then, it's impossible to go through suffocation knowing that Credjet exists, isn't it? Only really who doesn't know her!
It is no coincidence that the company has been winning the market precisely because of its speed in releasing the value, which is really impressive. However, as if this enormous advantage were not enough, Credjet also facilitates the taking out of a personal loan, which guarantees less complications when you need it most.
Thought it ended here? Then you thought wrong, dear reader! With the promise to help you with interest rates and flexible installments, which allow you more freedom when choosing how you will pay, Credjet is an easy and convenient way to finance your extra expenses. All you need is to be at least 18 years old and at most 70 years old, have a Santander, Bradesco, Itaú, Caixa Econômica or Banco do Brasil bank account with internet banking access and a cell phone number. Ready! These three requirements alone are enough to get your loan!
How do your loans work?
As previously mentioned, Credjet is a bank correspondent that offers personal loans to anyone in need without any bureaucracy or difficulties. What has not been said so far is that your request is made online, that is, in the comfort of your home, without the need to go to the bank or branch to start the application procedures. Too good to be true, isn't it?
So let's talk about the loans made available by Credjet. The company offers from R$ 600 to R$3,000.00, and these amounts are subject to credit analysis and bank confirmation. Regardless of the amount contracted by you, your debt can be paid in up to 12 installments or, if you prefer, you can settle it in a single installment. In any case, you are in charge of your loan and no one else!
You are the one who decides how the installments will be paid, which can be done through direct debit or bank slip. In the first case, it is enough to authorize the debit once and that's it. Now, if you want to make the payment by bank slip, Credjet will send all bills by email and they can be paid at any bank or lottery house. They can even be paid on your internet banking, making your life even easier.
Oh, and on this subject of payment, it's good to be aware! In cases of delays in the discharge of your personal loan, your name may be included in the register of defaulters of the credit protection agencies. You don't want that to happen, do you? Therefore, it is good to be careful with deadlines and not waver.
“Isn't Credjet too good to be true?!” - you must be asking yourself. Calm! Don't be cornered and don't even be part of the suspicious team because, yes, she's really good. So much so that one of the company's main commitments to its customers is total transparency of information. This means that, before starting to fill in the loan proposal, all the important data about the debt contracted by you will be clearly displayed.
Therefore, you sign the contract knowing exactly the interest rate used, the applicable tariffs, taxes (IOF) and the total effective cost (CET). However, if you still have doubts, the company's call center will be available to clarify any of the values presented.
Let's take a practical example. Let's assume you take out a loan of R$ 1000.00 in 12 months, okay? In your proposal, all fees and interest amounts would be clearly identified and they would be as follows:
- Main Amount: R$ 1,114.71
- Effective Monthly Interest Rate: 17.90% per month
- Annual Effective Interest Rate: 621.38% per year
- IOF: R$ 24.71
- Total Effective Cost - CET: 861.34%
- Credit Fee: R$ 90.00.
As you can see, one of the negative points of the Credjet personal loan, if not the only one, are the interest rates, which are quite considerable. Ranging from 15.8% to 17.9% per month, a percentage considered high by market standards, they can generate significant value over the course of a year. However, at the time of financial tightening, it is worth paying for this interest rate, in view of the speed of credit release.
Simple, practical and safe service
Finally, we could not close the text about Credjet without praising its service, which is simple, practical and, best of all, extremely safe. This is because the company works with Instantor, a total guarantee tool used by the main companies and financial institutions in Brazil and worldwide. For those who don't know, it is the one that allows you to quickly analyze the customer profile and define your loan within your current conditions, speeding up the whole process a lot. If it weren't for Instantor, most likely your credit wouldn't come out as fast as it does with Credjet.
In short: Credjet is fast, practical and safe, which would be enough to tempt you to take out a loan. But the truth is that its advantages are just beginning… Click the button below to find out what else awaits you!
About the author / Priscilla de Cassia
Reviewed by / Junior Aguiar
Senior Editor
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