How to Get a Personal Loan at Creditas

In this article, you will obtain information that will help you to know how to take out a personal loan with Creditas.

A credit model that is gaining more and more space in the financial market in general.

This is because it guarantees the payment of installments without any risk of default since it involves goods that are in the name of customers who have taken out personal credit with creditas.

Who is Creditas?

Creditas is a Startup that operates in the financial market and its main means of service is the personal loan. However, its way of releasing people credit is a big highlight in the loan market.

In other words, with Creditas, the customer who needs a cash loan pledges a personal asset, which can be a vehicle. Or a property, for example, and thus manage to take out a loan with lower interest rates than the current ones on the market.

However, Creditas was founded in 2012 and since then has been developing in its ways of operating in financial solutions and with a very peculiar way of serving. Creditas currently has CEO – Sergio Furio. And its national headquarters is located in the city of São Paulo.

Another peculiarity is that today Creditas is considered the largest fintech of online loans in the financial market in Brazil. Many people have been looking to this company for a secured loan.

How a Personal Loan Works at Creditas

Before applying for a personal loan, it is necessary to understand in detail how this personal loan model works. For this, we are going to show the characteristics of a loan plan with Creditas.

1 – Creditas is currently considered the credit company with the lowest interest rates.

2 – Creditas fees start at 0.89% monthly interest.

3 – The payment terms for a personal loan at Creditas are longer than at other finance companies.

4 – Payment flexibility at Creditas is one of the highlights in its way of serving its customers.

So, let’s check out how to get a personal loan at Creditas in all the modalities available in your service plan.

Personal loan at Creditas with Property Guarantee

In this modality, the customer has at his disposal the possibility of taking out a personal loan and giving his property as a guarantee of payment. However, Creditas has its criteria for releasing a secured personal loan.

1 – The property must be worth at least R$ 150,000 thousand reais.

2 – The property must be located in an urban area.

2 – Houses, apartments, land in condominiums can be part of the plan.

4 – The value of the personal loan with property guarantee can vary between R$ 30,000 thousand reais to R$ 3 million.

5 – Even if the property is financed, he can participate in the loan. In that case, the customer can get a credit in proportion to the remaining balance.

For example: If the property is worth BRL 250,000 thousand reais, and he has already paid BRL 150,000 thousand, he may have a credit released in the amount of BRL 100,000 thousand reais.

It is worth remembering that the property is sold with Creditas, and consequently it will pay the monthly installments according to the value of the installments.

In this plan, the personal loan at Creditas secured by real estate, the payment period can reach 180 months, that is, 15 consecutive years.

Documents required for a personal loan at Creditas with property guarantee:

• RG and CPF or CNH (of the couple);
• Birth certificate (for singles). Or wedding;
• Certificate of registration of the prenuptial agreement registered at the real estate notary;
• Marriage certificate with annotation of the current situation, for divorced and widowed persons;
• Proof of residence;
• Proof of income;
• Full Income Tax Return;
• Registration of the property;
• IPTU cover, including the area of ​​the property;
• Declaration Negative of Condominium Debts.

These are the conditions for this type of personal loan at Creditas with real estate guarantee.

For more information, visit the official website Creditas.com

How to Make a Personal Loan at Creditas With Vehicle Guarantee

In the form of personal loan at Creditas with vehicle guarantee, the customer provides his car as payment security with the financial institution.

In addition, in this modality, the customer can have at his disposal amounts between R$ 5,000 and R$ 150,000 thousand reais in credit released in cash. However, Creditas accepts a vehicle under the following conditions:

• Possibility of taking out a personal loan of up to 90% of the value of the vehicle.
• Payment term can reach 60 months.
• Vehicles that were manufactured from 2010 onwards.
• The vehicle must be at least 50% paid off.
• The vehicle must be in the name of the customer applying for the loan.
• Possibility of involving the loan amount to pay off the vehicle.

Before registering the closing of a deal with Creditas in the plan of a vehicle as collateral, the vehicle will undergo an inspection carried out by a specialized company.

Through this procedure, Creditas will learn the actual conditions of the vehicle that is part of the negotiation. If everything is correct with the vehicle, then it can be included in negotiations for a personal loan at Creditas with vehicle guarantee.

For more information, visit the Creditas.com website, there you will understand in detail what is needed to do your personal loan with Creditas with vehicle guarantee.

Conclusion

Before taking out a personal loan, you need to understand the real reason for applying for credit. It can be a great financial solution for anyone looking for a cash loan.

However, it is necessary to be able to pay the installments, precisely because for a while, both the property and the vehicle are alienated to the financial institution.

In this way, it is recommended to plan well so that the personal loan at creditas is used in a way that will bring solutions and benefits to users.

Many people are in need of personal credit, and Creditas has this very advantageous plan, as long as you fit the conditions that the platform requires.