Get a personal loan with a low score
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The score has become a major obstacle when applying for a personal loan.
But did you know that it is possible to borrow money with a low score?
In fact, personal credit is one of the most used to pay off debts and get out of the red.
However, one of the first factors that financial institutions analyze is the score.
Therefore, the Score score covers two important factors:
payment habits and the credit market.
So, keep reading and learn all about your score and how to get a personal loan even with a low score.
How the Score Works in a Personal Loan
Firstly, it has a scale that goes from 0 to 1000, involving the following factors in this score:
1 – Bills paid on time;
2 – Updating registration data;
3 – Negative debts;
4 – Financial relationship with institutions.
Therefore, the first step to getting a personal loan even with a low score is to take care of your name:
1 – Update your registration data;
2 – Always keep your bills paid on time;
3 – Avoid name restrictions.
How to get a personal loan with a low score?
If you analyze, the Serasa Score is most of the time always lower than Boa Vista.
Thus, there are many financial institutions that pull registration data only from Boa Vista (SPC) and many startups that release credit with a low Score.
Therefore, after updating your registration data, first look for institutions that only analyze where your score is best.
Financial institutions that consult Serasa
1 – Bradesco;
2 – Nunbank;
3 – C6 Bank;
4 – Santander;
5 – Page;
6 – Trigg.
Financial institutions that consult the Boa Vista Score
1 – Bank of Brazil;
2 – Agibank;
3 – Inter Bank;
4 – Federal Savings Bank;
5 – Itau Bank;
6 – Nubank;
7 – Harvest;
8 – Safe Harbor;
9 – Trigg;
10 – Votorantim.
2 types of personal loans with Socore Baixo
Next, there are 2 more options for getting a personal loan with a Low Score:
1 – Payroll Loan
The payroll loan is one of the best options, because there is no consultation with credit restriction agencies and the interest rates are very low.
However, it is only available to a specific group of people, such as: INSS pensioners or retirees, civil servants and employees of the Armed Forces.
Some financial institutions provide loans to workers with a formal employment contract.
Therefore, monthly payments will be deducted directly from the payroll.
2 – Loan with collateral
Another option is a personal loan with collateral. Furthermore, these can be real estate and vehicles as well as jewelry and valuable objects.
In most cases, this modality releases personal loans even with a low score and without consulting Spc or Serasa.
Just like the payroll loan, the interest rates are low and the amounts of credit available are very attractive.
In short, these are the best options for getting a personal loan with a low score. However, you must always pay attention to your financial health.
Find out more about the latest loan news by clicking here.
Serasa Contact: (11) 3003-6300
Ed. Paul Harris – Padre Adelino Street, 2074 Store E – Ground Floor – Fourth Stop, São Paulo – SP, 03303-000
*Research source: https://www.serasa.com.br/ecred/blog/emprestimo-para-score-baixo/
