Choosing a loan can be a difficult task. Therefore, today we will help you choose between a Zema loan or a Superdigital loan. Both are digital loans and easy to take out.

Furthermore, they are ideal credits for those looking for a loan with lower rates. In fact, for online loans, both Zema and Superdigital accept very high amounts for credit.

Therefore, if you want to pay off debts, invest in your business or even make your dream trip come true, these loans can be a good option.

In this article, we will show you the main differences between the Zema loan and the Superdigital loan. Continue reading to find out!

Starting with the Zema loan, from Zema Financeira. This company is part of the Zema Group, being its financial side. In general, this credit allows payment in up to 24 installments.

Additionally, if you need lower rates, Zema analyzes each client individually. This way, interest rates are personalized according to your financial profile. 

When we talk about contracting, Zema loan has online contracting. Therefore, just access the website and make your request. In a short time, the bank will analyze your financial history and offer you credit.

In fact, Zema is paid by bank slip. Therefore, it is essential to be aware of possible scams. In other words, make sure that the invoice is really for the loan before paying. 

Furthermore, paying by bank slip can be good because you pay at the bank of your choice. In other words, taking out the loan does not require you to create an account with the institution.

Secondly, we have the Superdigital loan. This loan is Banco Santander's digital credit. In this sense, the service combines the credibility of a traditional bank with the practicality of online lending.

Therefore, with this credit you contract an online service with rates starting at 1.6% per month. Furthermore, when we talk about loan amounts, they range from R$5 thousand to R$25 thousand.

In other words, a high value and with rates that are not necessarily that high. In fact, the time to pay is a maximum of 24 times. And to apply for the Superdigital loan you need to have a company digital account.

But this is very simple, the account can be created in less than 10 minutes. This way, after creating the account, Superdigital will analyze your history and understand whether it can offer you a loan.

If you haven't yet received a credit amount, it's worth continuing to use the account. Also, make sure you don't have any financial issues.

Firstly, a great advantage of the Zema loan is that it is personalized for each client. Therefore, the bank carries out an individual credit analysis to understand what it can offer.

In fact, even negative and self-employed people can apply for the Zema loan. Even if there is no credit guarantee, the bank analyzes other factors individually. Therefore, it may be easier to achieve.

Furthermore, in this analysis the bank also offers you fairer rates that match your financial reality. 

In short, the main advantage is that it is an online loan with Santander credibility. This is because you can have credit in a practical way and still not worry about security.

In this way, the Superdigital loan is extremely safe. In fact, he is also very fair with his rates, carrying out an individual credit analysis of your financial reality.

Another advantage of this credit is that it can be contracted in less than 10 minutes. To do this, simply create an account at Superdigital and check the loan offer in the app. 

Overall, Zema loan provides a great service. But, for those who like to be attended to in person, unfortunately it is not possible. This is because this credit is only available online.

In fact, all stages of the application and hiring process are online. 

The Superdigital loan may have a slightly more careful credit analysis. This is because, as we already mentioned, it is a loan linked to Banco Santander. In this sense, the analysis is very similar.

However, it is still possible to get a good value. In fact, Superdigital even accepts those who are negative in some cases.

Furthermore, Superdigital also does not have face-to-face service. Even though the credit is linked to Santander, the service part is not. This way, everything must be resolved online.

Finally, choosing between a Zema loan or a Superdigital loan is a very personal choice. This is because both offer benefits and disadvantages. For example, both loans are online.

But with the Zema loan you have an individual credit analysis, with personalized rates. So, if you need a more specific look at your financial history, this might be the option.

If you are looking for a quick, easy and safe online loan, the Superdigital loan is a great choice. With it, you pay in up to 24 installments and have the security of a traditional bank.

Therefore, understand your financial reality and decide which is the best option for you. This way, we will show you even more of a loan. See the recommended article below for the differences between the Superdigital and Jeitto loans!