Today, people who resort to credit options through loansthey certainly face too much red tape and in some cases shameful situations.
Two major financial institutions, banks Santander and Bradescodeviate from this policy and offer credit approval services without consulting SPC and Serasa, In this way, the bad guys also have the opportunity to recover their financial life and reorganize their debts.
However, options are focused exclusively on public servants and INSS retirees and retireesunder a payday loan deductible.
Loan without consulting SPC / Serasa Bradesco and Santander
payday loan It is considered one of the cheapest and most affordable credit lines on the market. Civil servants, retirees and INSS retirees have faster and less bureaucratic access to this modality. In many cases, the required amount is deposited on the same day.
With this type of contract, the user retains part of the money directly from the payroll and benefits account and is discounted on the due date. However, you need to be aware of the fees and amounts collected so that the debts, instead of settling, are eventually multiplied.
See how Santander and Bradesco payrolls work:
Salaries for Santander Olé: With a payday loan from Santander, the buyer can request money directly online. INSS civil servants, retirees and retirees should have access company website or download the company app on any mobile phone android or iOS.
However, there is a need to enter personal information such as CPF, RG, mobile number, benefit information (for retirees or retired persons). See the complete documentation required for Olé Santander's request:
- Photo ID (RG or CNH);
- Salary (civil servants);
- Proof of address (issue up to 3 months);
- Selfie photo.
The applicant must take a photo of the personal documents and attach to the engagement form to prove and verify the information.
Bradesco Payroll: A little different from Santander, the Bradesc loan model also offers services to employees of private companies. In this case, the employer must give the bank access to the function.
Negative employees can also participate because there is no consultation with SPC / Serasa.
Institution account holders can contract the option for a variety of company self-service channels, such as online banking, ATMs (including Banco24horas ones), Fone Fácil, Bradesco Celular, or at physical outlets. If you are not the account holder, the only way to apply for a loan is to go to a Bradesc agency.
The documentation required for employment includes:
- Front and back photo of personal documents such as ID or CNH;
- Proof of residence, valid for less than 3 months;
- INSS Benefit Extract or paycheck.
Copies and scans must be legible and of good resolution, otherwise the request may be stopped until the documents have been resolved as needed.
The unforeseen happens. Borrowings are common and natural. However, when hiring a service, you need to be aware of interest rates that will be diluted in installments, as many institutions charge amounts above market value.
Therefore, it is important to know more about your chosen institution and analyze whether what is being offered is useful or not. Price research in comparison to other banks and knowing the opinions of other people can help a lot in making a decision.
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