Getting personal financing online is a really difficult task in times of coronavirus, isn't it? That's why we've put together a series of information that will certainly help you in this search.
It is important to remember that Portal Digital Seguro does not have a direct partnership with any bank. Our work here is more about dissemination and providing you with safe information. It is not exactly about approving financing.
One important thing to say before you actually apply for and take out a personal loan online is to check whether the website, even those belonging to banks, has a security certificate.
This detail can be seen in the footer of the page, and it is also possible to find out about the security of the page through alerts from Google itself.
Tips for getting a loan online safely
We will now give you some special tips to help you search for your personal financing online without any problems. One of the things you need to check for sure is whether the website’s domain is your own. The domain will end in “.com” or “.com.br”, which shows that it is more reliable. If the domain ends in “webnode.com”, the chances of it being a scam are high.
Personal financing online safely?
So, you need to check the company's data.
We talk about this mainly in relation to independent online personal financing sites, it is important to research the history and data, such as, for example, the registration status of the company's CNPJ.
This verification is very simple, just take the CNPJ of the same, which is usually inserted in the footer of the website and search for its situation on the Federal Revenue website.
If this information is not correct, try to find out why, which already shows some doubt about the company. Also check if the CNPJ is the same as the “www” domain, since many scammers use fictitious names to carry out fraudulent transactions.
Research the reputation of the online financing company
A surefire tip is to search for the company's name on the Reclame Aqui website. There, you can see testimonials from people who have experienced negative situations with the company, preventing you from falling into the same problem.
Another very good way is to research whether the company actually exists, by looking on social media or blog articles, for example.
Be careful with high-value financing.
If the company requests an advance payment in order for the credit to be granted, this is considered a scam. All payments must be made after the financing has been approved.
Is online financing really worth it?
It depends a lot on the type of online financing, that is, the company you chose to do it with, what the conditions are, that is, what fees are charged by the companies, what the payment methods are.
If, for example, you decide to take out a loan online through traditional banks such as Bradesco, Itáu, Banco do Brasil, the loan or financing may not be very worthwhile, as these companies work with completely conservative interest rates.
Access your digital financing contract
This part is very important. The financing contract must be provided by the company and must be read by the contractor very carefully. Check that all the conditions offered and the installment amounts are correct, so that no erroneous clauses are left untouched after signing the contract.
Analyze the value of the installment
If, by chance, it is higher than 30% of the contractor's income, this condition may be an act of bad faith on the part of the company. This percentage is not recommended, since financing cannot harm family income.
Benefits of online personal financing
Agility is usually greater
Without a doubt, one of the main advantages of this fully online service (especially during this coronavirus period) is the speed of applying for credit and also receiving feedback on approval, without having to leave home for any of the steps.
This way, it is possible to research and evaluate prices, conditions, the reputation of the company or bank, among other information necessary to decide which one to close a deal with.
The values are interesting.
Just look: there is no charge for the application itself, and you only need to pay the interest rate for the financing that is actually closed by the applicant. Often, this rate, compared to traditional and in-person banks, is cheaper, which increases the ease of this type of credit, varying between 3% and 6% on average.
In addition, it is possible to search online for the CET – Total Effective Cost of each operator, without having to go from bank to bank to find out which is the best interest offer. This way, you save money by choosing the best rate.
Choose companies that work with transparency
Take a close look at the company's reputation, its credibility in the market and its reviews on digital review sites for companies that work with online financing.
Another advantage is that all information regarding financing and its conditions are available before contracting it, in addition to a call center being available for possible questions, which makes it even easier to make a decision about the best financing option.
Still have questions about online financing?
Contact the best financing companies
Diamond Loan
Losango Customer Service Center: 4004 4252 (Major centers) or 0800 721 4252 (Other locations).
Crefisa Online Financing
Dial 4004-4001, option 2, if you are in the capitals or metropolitan regions. For other locations, the number telephone from the Crefisa is 0800-722-444.
Agipbank Online Financing
Agibank works differently, you need to contact them through the website, clicking here.
Personal Financing at HSBC
4004 2639- For service in Capital Cities and Metropolitan Regions; 0800 726 2639- For service in other Regions.
So, did you like it? Enjoy, leave your comment and of course, share this content with your friends who are looking for a loan or financing online and have not yet found a company to carry out this procedure in difficult times, such as the ones we are experiencing in relation to the coronavirus.
Take advantage and stay at home, make your requests online, as well as your personal purchases with your credit card.
Furthermore, thank you very much for following our portal!