What is the fastest way to get a loan without consulting SPC and Serasa?

There are many ways to get a loan even if credit protection agencies are denied. Here, in this article, we will list some forms, in addition to alert you to the risks involved. Through careful reading, you will be able to badyze the advantages and disadvantages and whether it is worthwhile to borrow money in this mode, whose interest rates are generally higher, even with a relatively easy release.

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Who can apply for a card?

First of all, if you want to take out a loan without consulting the CPS and Serasa of the Banco PAN?

What is the fastest way to get a loan without consulting the CPS and Serasa?

It is important to know what is the reason you want to take out a loan while your fund is subject to restrictions and probably a lack of financial control. A loan is not always the right decision. Most of the time, you can manage your budget and balance your finances without applying for credit to the market.

Analyze your finances. Check where your money is used and if you do not have a lot of unnecessary expenses. Sometimes, small attitudes can generate big savings. For example, you can avoid spending on cable TV and use Netflix, cancel the phone line and save on water and electricity.

However, if you plan to make a loan without consulting the SPC and Serasa to get rid of your debts or illness, among other important situations, should be considered without fear

Loan terms without prior consultation of the CPS and Serasa

Personal Credit for Negatives

There are several ways to take out a loan without consulting the CPS and Serasa. Among the most known methods, personal credit for people with bad credit is the fastest way to get a loan. However, it is the mode that has the highest interest rates on the market, sometimes exceeding 20% ​​per month

Some companies like Crefisa offer this option to pensioners, retirees and civil servants refused, without margins . However, we do not recommend it precisely because of the high interest rate. Only use this mode if you are really in trouble and need urgent cash. The website of crefisa is this one .

Payday loans

Payday loans are one of the most advantageous opportunities, with the lowest interest rates. This is possible because the advance payments are made directly on salary or benefits. This modality has many offers on the market. Among them are the BMG Bank specializing in payday loans, Banco Inter among others.

More recently, possible to make a loan with FGTS guarantee for all workers. The amount is limited to 10% of the balance of the FGTS accounts and 40% of the fine in case of dismissal. However, the company must have a contract with Caixa Econômica Federal. Check the human resources of your company and, if you wish, additional information in this article .

Pawn of the Cash

Another very simple possibility to get money quickly and without burcracia, even for negative expenses, is the cashier's pawn. In this form of loan without consultation, you can leave the elements that serve to guarantee the loan to Caixa Econômica Federal. If the debt is not paid, the items will be auctioned by the bank. In addition to the ease of releasing money on time, you have a low interest. Previously, you can search for an agency with a paid bank, and it is possible here at this link .

Loan with guarantee of ownership or vehicle

Another loan possibility is that with a guarantee of ownership or vehicle. It is possible to obtain very interesting rates in this transaction because your property is used as collateral. It is important to use this type of credit with caution, because if you default, the bank can buy back your property or your vehicle. If you want to check, fintech Bom Pra Credito offers this type of uncomplicated credit, through a registry created directly on the website.

Final Considerations

Finally, we can deduce that the quickest way to make a loan without consulting the CPS and Serasa is not the best option. However, if you opt for a negative personal credit, this should only be done in the latter case. As you can see throughout the article, there are other loan terms that have more interesting interest rates, and you should think about it. Obviously, there is no substitute for the need to start managing your finances very closely, to stand aside and, preferably, without borrowing.

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