Choosing a loan can be a daunting task. Therefore, today we are going to show you the differences between the Zema loan or the Provu loan. The two have several advantages and special conditions for you.

In general, the two credits are in the form of a personal loan. Therefore, it is a credit destined to pay your debts, invest in the renovation of your home or, then, in your business. It depends a lot on your goal and how you will use the money.

In that sense, both loans are fully digital and you can solve everything without leaving home. That is, you can plan, simulate and contract your credit all through your computer or cell phone.

In this way, keep reading this article and discover the main differences between the Zema loan or the Provu loan!

First, let's explain a little about the Zema loan. In short, this loan is provided by Zema Financeira. This company is one of the financial arms of Grupo Zema.

In this way, the company has the credibility to offer safe and quality credit. In this sense, the Zema loan allows you to pay in up to 24 installments. In addition, rates are completely customized to your financial reality.

Furthermore, the loan can be made online 100%. When making the request, you just need to fill out a form on the website and wait for Zema to analyze your information. Therefore, after signing the contract, the money falls into your account within 1 business day.

Well, when we talk about the payment of the loan, it is done in the form of a bill. In this way, every month a bill is generated that can be paid at any financial institution. In fact, those who pay on time become a preferential Zema customer.

The Provu loan was created by Provu, a personal loan fintech. This company has existed since 2015 and seeks to offer fair rates and quality service. That way, helping you to fulfill your dreams or pay your debts.

Therefore, this loan works in a very similar way to Zema. That's because the Provu application and follow-up process is also completely online. And as we mentioned, the service is transparent and fast.

That way, you can solve everything without even having to leave the house. Also, Provu loan rates are customized. Therefore, they range from 1.99% to 10.95% per month. All this with up to 36 months to pay.

Furthermore, if you sign the contract before 1 pm on a business day, you will receive the money in your account on the same day. That is, the value drops quickly and you can start using it.

In that sense, you can use the Provu loan for several things. For example, a personal loan to pay for college. Or else to make more investments and even to renovate your home. 

In addition, Provu accepts negatives. That is, you can also use the loan to pay your debts more calmly.

In general, the main advantage of the Zema loan is that it is fully customizable. In this sense, both the total amount of the loan and the interest rates are analyzed individually.

That is, the institution analyzes your financial history and also your ability to pay. That way, it can offer you the value you need at rates that are much fairer and quieter for you to pay.

In addition, as it is an online loan, the company focuses a lot on security. Therefore, your data will be safe with Grupo Zema. 

At first, Provu offers several services for you to be able to pay your bills or make your financial dreams come true. All this with a personalized credit analysis that gives you the best credit conditions. 

In addition, the Provu loan has the advantage of accepting negatives. Although a credit analysis is still necessary, being negative is not an impediment. In this way, you can use credit to pay off your debts.

Incidentally, not only negatives can apply, but also self-employed workers. Normally, this group of people has more difficulty when it comes to proving their income and end up being denied by credit companies.

Another advantage is that the loan drops super fast in your account. If you sign the contract by 1 pm on a business day, the money is deposited on the same day. So, you can already start using the value. 

One of the disadvantages of the Zema loan is that some people prefer to resolve financial situations in person. Unfortunately, in this case it is not possible. Because the entire credit process is resolved online.

In summary, the downside of Provu loan is similar to Zema. That's because this loan is also 100% digital. Therefore, everything is resolved over the internet.

Lastly, if you are in doubt between Zema loan or Provu loan, then you need to consider the options. Remember that the Zema loan is a loan with a slightly lower amount.

In this way, if you need a loan with a much higher value, this may not be the best option. Provu accepts credit requests of up to R$50 thousand. So you can invest in your business or renovate your home.

So it really is time to sit down and write the pros and cons. But if you still want to have other options, let's show you this other loan post. Read now and learn about the differences between the Agibank loan and Santander!