Best online personal loan: 17 options

1. Credits

Creditas offers secured loans, and this is good because, this way, you get the best interest rates on the market. As collateral, you can use your car or a property, even if the asset is still financed.

If use an automobile, first of all, know that it must be 2004 or newer, and that the minimum loan amount is R$ 5,000, with the maximum amount being up to 90% of the car's value. This loan can be paid in up to 60 months, and the interest rate starts at 1.49% am

Already who intends to use a property as collateral pays even lower interest rates, starting from 0.89% am and can be paid in up to 180 installments. The terms and value of the loan depend on the conditions you can pay.

2: Good for Credit

We already talked about them here, and this is because Bom Pra Crédito is an excellent option for searching for loans. In fact, they are a banking correspondent who consults more than 30 financial institutions.

Soon after this consultation, you will know the best conditions for your personal loan. You choose the amount you want, the term and the interest rate, and Bom Pra Credit search for you all available options.

At Bom Pra Crédito, you simulate the most advantageous loan conditions for you, and the website shows you the options that best fit your needs. Go to the website and do your simulation.

3. Nubank

Did you know that besides credit card and digital account, the Nubank Do you also offer online personal loans? Yes, and it is one of the best options on the market. Firstly, because Nubank's credit service is unbureaucratic.

It is agile and quick to borrow money with Roxinho. Furthermore, the interest rate is quite attractive, being between 2% to 5.2% per month. Nubank also has other facilities, such as 24 months to pay and 90 days until the first installment is due.

And one of the greatest facilities is certainly that you can simulate your loan without commitment via the Nubank app, in real time. I loved this feature, as it demonstrates the company's transparency with deadlines and interest.

4. Banco Inter

Nubank is not the only fintech famous in Brazil for having a digital account and credit card that also offers hassle-free personal loans online. If you are a customer of Banco Inter, it is certainly a good idea to take out a loan from this bank.

To begin with, the Banco Inter loan is characterized by being no bureaucracy, all digitally. And it wouldn't be any other way, since Banco Inter does not have physical branches, and just like the digital account and the credit card, the online personal loan is really online.

Interest rates are also quite attractive, with from 1,30% am for public servants, retirees and pensioners. In fact, this point is important: Banco Inter does not work with personal credit without guarantees.

With Banco Inter you have access to payroll loans or loan with property guarantee, and this property can be financed. Banco Inter has a practical and very transparent simulator, which you can access on the bank's website or in the app.

5. Geru

Geru's loan, linked to Banco AndBank (Brasil) SA, is a good option for those who do not have collateral to offer. However, we warn that this increases the interest rate. In the case of Geru, they start at 1.9% am, and you can pay the first installment within 40 days of signing up.

You can get loans from R$ 1 thousand to R$ 50 thousand, and pay back in up to 36 months. You can simulate through the website, obtaining more details about the payment period for the amount you need. Click here and carry out the Geru loan simulation.

6. Rebel

Another good option among online personal loan companies for those who do not have collateral such as property or a car, Rebel is a fintech that grants loans in a hassle-free way. However, to get a loan, you must not have restrictions on your CPF and prove monthly income.

In fact, Rebel does not lend the money, but acts as a banking correspondent, being an intermediary between the customer and the financial institution that lends the money. Interest rates on Rebel loans vary widely, depending on the customer's profile.

One of the advantages that attracts the most attention of this fintech is the use of blockchain technology, an especially promising and revolutionary technology. This is because it helps reduce risks, eliminates fraud and brings transparency in a scalable way for countless uses.

At Rebel, interest starts from 1.9% am and the loan amount can reach up to R$ 50,000. Click here and do the simulation on the Rebel website.

7. MoneyMan

With lower loan amounts, from R$ 500 to R$ 2 thousand paid in up to 12 installments, and higher interest rates, between 11% to 15.7% am, Moneyman is an international company. Loans are made quickly and completely online.

The big difference with this option, and the reason why it is part of our list of the best online personal loan companies, is that it offers loan to negative people. Furthermore, the company offers rewards to customers with its loyalty program. Speak the simulation!

8. Just

Removing bureaucracy for online loans is Just's big bet, an online platform that, in addition to being uncomplicated, is transparent. Loans range from $ 500.00 to R$ 20 thousand, with payment in up to 24 installments and interest rates between 2.8% and 7.2% am, which hits the account within one business day. The entire process is done digitally. Carry out the simulation on the Just website.

9. Simple

A Simple is a company from the Enova group, which promises quick and hassle-free loans to customers in banks Bradesco, Caixa Econômica Federal, Itaú, Santander, including for negative people. Another advantage of this company is that, if you place your order by 4 pm, the money will be in your account on the same day.

The negative point is the interest rate, which is a little steep: from 15.8% am for loans between R$ 500.00 to R$ 3.5 thousand. Just like the other options on the list of best online personal loan companies, the entire process is done digitally. Access the website and do the simulation.

10. Provu

With interest rates from 5.4% am and loans from R$ 1 thousand to R$ 50 thousand, paid in up to 36 installments, Provu (formerly called Lendicos) makes it possible to take out loans without collateral. However, the profile analysis is individualized, allowing an interest rate according to each person's credit history.

With a portfolio of more than 40 thousand customers, fintech works entirely online, ideal for you to get your loan without leaving home. Provu is a German company that began operations in Brazil in 2015, as a banking correspondent for the BMG and CBSS. Carry out the simulation by clicking here.

Bonus: Your Digital Loan

Your Digital Loan is a practical and simple to use tool. Through the website, you can get a personal loan even if you are in negative debt!

Even though it is a new company in the credit sector, the quality of the service and loan offers are surprising and stand out from its competitors.

The system searches for you all available credit options and the best updated scenario among the 13 partner banks. The platform also provides a simulation tool where you can check the values and deadlines that are most suitable for you.

Thus, the platform selects the bank with the lowest interest rate in force on the date of the request. Everything is 100% digital and the money is in your account within 24 hours!

What is the best company to get a personal loan from?

The answer varies from person to person. Generally, the company that offers the lowest interest rates and the best conditions are the banks where you have been a customer for the longest time. This is because these financial institutions have more complete data and information about your income, expenses and financial history.

Because of this, it is easier to get low interest rates, even with higher credit requests. However, it is also worth doing the simulation at different companies and comparing the rates and benefits to find out which is most advantageous for you.

Tips to avoid falling for fake online loan scams

Firstly, keep in mind that although it is not that difficult to get a loan online, it is not too easy either. You know that saying that “when the alms are too much, even the saint is suspicious”? So, this saying is very wise.

The first detail that I must alert you to is to links received by Whatsapp offering online loans. Keep your eyes open, as in most cases these links are scams. Furthermore, you should also be wary of emails that offer you loans.

In fact, before clicking on any dubious link, see which company it is and do some good research about this company. Search for the name of the financial institution on the Reclame Aqui website, as well as on Procon.

You can also check whether the institution is registered with the Central Bank for loans. All you have to do is search these websites for this institution and see if it is safe to take out a loan with them.

After that, you can also search for the institution's CNPJ on the Federal Revenue website. Another valid tip is to find out the company's address and go to Google Maps.

See if there really is a company with this name in the location and try to contact them by phone as well. It may seem like an exaggeration, but when it comes to a company you haven't heard of yet, you can't be too careful.

Do not pay anything before the loan is released

Finally, I remind you that no financial institution that provides loans should ask you for money in advance, whether it be a deposit or a bank slip. If they ask you for money before releasing the loan, be suspicious, as this is prohibited by law.

Another detail: only share your personal data, especially data such as CPF, ID and mother's name, when you are sure that it is a serious and safe company; After all, scammers can collect your personal data and carry out scams in your name.

How to get the lowest personal loan rates?

To get the lowest personal loan rates, follow these tips:

1. Search and compare: Access personal loan rate comparison websites and visit the websites of different banks and financial institutions to compare the interest rates and conditions offered;
2. Know your credit history: Check your credit score and history before applying for a loan. The better your credit score, the better your chances of getting lower rates;
3. Negotiate with the financial institution: Try to negotiate interest rates and payment terms directly with the financial institution, presenting your financial situation and explaining why you deserve a lower rate;
4. Consider Alternative Financial Institutions: In addition to traditional banks, consider credit unions and fintechs, which can offer more competitive interest rates;
5. Consolidate your debts: If you have several debts with high interest rates, it may be advantageous to apply for a personal loan to consolidate them into a single debt with lower interest rates;
6. Maintain a good relationship with your bank: Being a loyal customer and maintaining a good relationship with the financial institution can help you get lower rates, as the bank already knows your history;
7. Check the possibility of offering guarantees: In some cases, offering collateral, such as a property or vehicle, can result in lower interest rates;
8. Avoid borrowing frequently: Applying for loans too frequently can negatively affect your credit score, making it difficult to get lower rates.

Remember that it is important to carefully analyze your financial needs before taking out a personal loan and always compare the offers available on the market to ensure the best conditions.