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Nowadays it has become much easier to apply for your personal loan, in a quick and practical way you can do everything online and the money goes into your account after approval.

The loan options provided by the company Creditas are really very interesting for people looking for good types of credit.

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However, in addition to the company offering so-called Guarantee Loans for properties and vehicles, there is also the option of Private Consignment.

Therefore, many have doubts about the topic and consequently which one would be best to choose.

Therefore, continue reading to find more information on these subjects, as well as all the steps for applying for these types of loans.

What is a Creditas Guarantee Loan

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First of all, we must clarify to you what this different style of loan that is being offered by Creditas would be.

Therefore, the guarantee loan is considered a type of credit in which the individual obtains money through a loan with lower interest rates.

And basically this interest is lower, as this individual has granted a property or vehicle as collateral.

Therefore, he is proving to the company that if he defaults, the property or vehicle will be the way to pay his debt.

The steps for applying for loans with property or vehicle collateral

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Well, as you now know what a Creditas guarantee loan would be, we can continue our article telling you more about the application steps.

Therefore, it is worth highlighting that the steps for requesting both a property guarantee loan and a vehicle guarantee loan work in the same way, so here we go:

Registration on the Creditas website

Initially, it is essential that you register on the website stating whether you intend to take out a loan to secure a property or vehicle, as well as your personal data.

In addition, you need the amount you need.

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Therefore, this step mainly serves for the company to get to know you as a customer and understand your needs.

Credit analysis

After registering, it is time for Creditas to start working with you to analyze your credit and also develop an initial proposal.

Therefore, in this second stage the company seeks to make sure that the installments fit into its monthly budget.

Warranty analysis

Another fundamental point in the request stage process is the warranty analysis, which is also carried out by the company.

Therefore, at this point Creditas will carry out an inspection of your property or vehicle to check the conditions and determine whether it is really worth continuing these steps.

Legal analysis

Soon after, there is the part of the process in which Creditas will make another assessment, but now this consideration will be legal.

Therefore, the analysis will be carried out mainly if the loan is guaranteed by a property to check if there is any type of pending issue or problem with the documentation.

Contract issuance

We have finally reached the final stage in which Creditas will issue your contract.

Therefore, it is worth highlighting again that if the guarantee is for your property, it is essential that this contract is registered with a notary.

Is it worth taking out a collateral loan?

Well, to clarify this doubt we can give you a very simple example cited in a video on the Creditas company website.

According to data offered by the Central Bank, the credit card has interest of up to 333% annually, as well as the special check that reaches 324% and the personal loan with 125% in fees.

Creditas only has 16.35% in interest for those who opt for the property guarantee and 30.15% for those who prefer the vehicle guarantee.

And we certainly don't even need to do any more calculations to check how much a person saves by becoming a Creditas customer.

Furthermore, if you are afraid of losing your property or vehicle, keep in mind that the company's objective is not this, but that you can pay for everything in a balanced way, hence the importance of credit analysis .

Creditas private payroll

Finally, let us tell you a little about the last loan option that the company offers you.

Basically, private payroll loans are a type of credit, in which the individual obtains money and payment is made indirectly.

In this way, it can be said that the installments are paid directly from the payroll or benefit.

Therefore, Creditas provides you with this modality with rates starting at 1.29% per month.

Conclusion

It is worth highlighting that this is a really very interesting company present in the Brazilian market to obtain a loan.

Therefore, if you want to carry out a loan simulation, visit the Creditas website, look for the type of credit you prefer and click on the “simulate” option.