Personal credit for self-employed people with negative Serasa status is an excellent option for those who still have debts in their name and at the same time have negative status, but be aware that there are rules for this.
If you have a bad credit history and are self-employed, that is, you do not have a formal job and have a bad credit history, Serasa eCred may be the solution. Unfortunately, self-employed people with bad credit history often have a lot of difficulty applying for loans, especially low-interest loans.
However, with Serasa it is possible to get a good loan with an affordable interest rate. Check out more details and see how to apply for a loan for self-employed people with bad credit from Serasa eCred in the following article!
Personal Credit for those with bad credit – check out important details
Getting a loan for those with bad credit can be complicated. And if you are self-employed and have a bad credit history, the situation can be even worse.
Furthermore, it is a little more complicated to prove your income in order to gain the trust of the bank, credit company or financial institution, as there is no pay slip, payroll or employment relationship.
To apply for a loan for self-employed individuals with bad credit, you can use your bank statements from up to 90 days ago to prove your bank transactions. Therefore, you can show the market that you are ready to take out this type of personal loan.
About interest rates
Getting low interest rates for loans for self-employed people with bad credit is a little more complicated, but it's not impossible. You can find companies that offer this type of credit, simulate an offer and compare rates. Then, just choose the proposal that's most affordable for your budget.
Documents required to apply for the loan
Check out the main documents you need to have to submit a personal credit proposal below:
First of all: CPF; of course.
Income: Pay slip, Pay stub, Bank statement, Work card, Income tax return;
Residence: Water, electricity, telephone bills (mobile or landline), Rental contract with notarized signature, Statements sent by the INSS, for example, credit card bill, FGTS statement sent by Caixa Econômica Federal, IPTU or IPVA collection slip, Health plan, condominium, real estate financing or school tuition bill
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