Currently, people using credit through options loancertainly facing too much bureaucracy and in some cases embarrassing situations.
Two major financial institutions, banks Santander and Bradescodepart from these regulations and offer credit granting services without consulting with SPC and Feel like. In this way, the negative also has the opportunity to regain control of financial life and reorganize its debt.
However, the available options are directed exclusively to government employees and Pensioners and INSS retireesunder a loan that can be deducted from salary.
Loans without consultation with SPC / Serasa Bradesco and Santander
that payday loans This is considered one of the cheapest and profitable credit lines on the market. Civil servants, retirees and INSS retirees have fast and insufficient bureaucratic access to this modality. In many cases, the requested amount is stored on the same day.
In this type of contract, the user has a portion of the money deposited directly from the salary or benefits account, discounted at maturity. However, you need to know the costs and the amount charged so that the debt, rather than being settled, eventually multiplies.
See how the payroll functions of Santander and Bradesco banks work:
Santander Olé Payroll: In payroll loans from Santander, customers can request money directly through the Internet. Civil servants and retirees and INSS retirees must access company website or download the company application on your mobile, good for Android or iOS.
However, there is a need to enter personal data, such as CPF, RG, mobile numbers, benefit data (for retirees or retirees), among others. See the complete documentation required for Olé Santander requests:
- Photo ID (RG or CNH);
- Salary (civil servant);
- Proof of address (issued up to 3 months);
- Front face photo (selfie).
Applicants must photograph personal documents and attach with a recruitment form for evidence and verification of information.
Bradesco Payroll: Slightly different from Santander, the Bradesco loan model also offers services to employees of private companies. In this case, the employer must provide access to functions with the bank.
Negative employees can also participate, because there is no consultation with SPC / Serasa.
Institutional account holders can contract options for various company self-service channels, such as Internet Banking, ATMs (including those from Banco24horas), Fácil Fone, Bradesco Celular or in physical branches. If you are not an account holder, the only way to apply for credit is to go to a Bradesco agent.
The documentation required for recruitment includes:
- Front and back photos of personal documents such as ID or CNH;
- Proof of Residence, valid for less than 3 months;
- Extract Benefits of INSS or Paycheck.
Copies and scans must be legible and in good resolution, otherwise the request can be stopped until the document is completed as needed.
Unexpected happened. Borrowing is normal and natural. However, when renting this service, you need to know the interest rate to be disbursed by installments, because many institutions charge an amount above the market value.
Therefore, it is important to find out more about the institution chosen and analyze whether what is offered is profitable or not. Conducting a price survey compared to other banks and knowing the opinions of others can be very helpful when making decisions.
Also read: Sebrae Loans for MAY: Credit can reach $ 20,000!