Is it possible to finance a vehicle even if your name is on the negative list of credit protection agencies such as SPC or Serasa? Will any bank provide credit to people in this situation?
There are many myths, that is, a lot of confusion regarding the release of credit for those who have a negative credit rating in their name, however, here on our Digital Seguro portal, you are informed about everything that happens in the financial market.
And today, we have selected this topic, as it has been the subject of doubt among many people who are looking for credit to purchase goods.
How to get vehicle financing with a negative credit rating.
First of all: this is not a promise that you will be able to get financing even if your name is on the negative list, that is not how it works.
Another important point to mention is that we at Digital Seguro do not have a direct connection with banks that can guarantee that you will be able to get credit even if your name is on the negative list, therefore, what we will provide is probable information, not guarantees.
Who can get financing with a negative credit rating?
First of all, not just anyone can get financing even if their credit is bad. How to define anyone: any profile, any person, regardless of education.
There is a whole profile sought by companies, for example, retirees, pensioners, public servants, all of whom have a good chance of being able to obtain financing.
What other profiles are possible to finance if you have a negative credit rating?
Another profile would be someone who has had a trusting relationship with their bank for a long time, without ever having missed payments.
- But how to finance it? Which documents?
- The form is always this:
- Try to make a good entrance
- Analyze proposals, that is, make comparisons
- Make simulations online
- Personal documents such as ID, CPF, employment contract or signed employment contract are sufficient for you to apply.
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