Agibank Loan: everything you need to know!

Find out everything about the Agibank loan, see which types of loans are available and how to apply for them!

Agibank is a digital bank that has been on the market for about 20 years and has a difference from traditional digital banks: it has physical branches. The digital bank Agibank, offers several services to its customers, such as loans and credit cards.

There are three types of loans: personal loans, payroll loans and loans for employees in private companies. See below the details of each of them, and choose the one that suits your style.

Topics covered in this article:

• Types of loans.
• How to apply?
• Bonus (at the end of the article).

Personal loans

O personal loan  It is intended for retirees, pensioners, military personnel and public servants who can no longer apply for a payroll loan. The advantage is that this loan can be requested online. In addition, after approval, the money is received in the account.

When you apply for it, you can pay off your loan in up to 72 installments. The interest rate is approximately 1.63% am, which is quite affordable, but it can vary depending on the profile of each applicant, so it is important to be careful when applying for it.

The loan amount can reach up to R$10,000.00, and it is free of SPC and SERASA consultation, meaning that people with negative credit ratings can apply for it.

Advantages:

• Low interest;
• Quick credit release;
• Up to R$ 10 thousand limit;
• Possibility of paying the loan in up to 72 months.

Payroll loans

O payroll loans It is a type of loan, in which the payment of installments is not made through a bank slip or discount from the current account.

As it is exclusively intended for INSS retirees and pensioners, the installment is discounted directly from your salary, that is, you authorize the bank to discount this money from your INSS retirement or benefit, and the rate is approximately 1.2% per month.

This type of loan has some advantages such as:

• Interest rates are the lowest;
• You can divide the loan payment into up to 84 installments;
• As it is discounted directly from the INSS retiree or beneficiary's account, they do not incur interest on late payments;
• The loan can be taken out online at Agibank website.

Loan for salaried employee

Finally, there is the loan for salaried employee from the private sector. This loan, as the name suggests, is intended for workers in private companies who have been employed for more than one year. This loan allows you to pay it back in up to 12 months.

It is important to remember that this type of loan is different from the payroll loan, since the discount will be made from the checking account. The amount requested can be up to R$2,000.00. One of the advantages of this loan is:

• Those with bad credit can request it.

How to apply?

To apply, you must have your CPF, ID, proof of residence and proof of income. After applying, you just need to wait for approval, and if approved, the money will be deposited into your account.

Therefore, it is important to do a simulation beforehand and see if it fits your budget. Apply for the loan Agibank It's easy. Just fill in your details on the website, send your documents by photo and wait for the bank to analyze them.

In addition Agibank also offers its customers a credit card that can also be used as a debit card, with several advantages, such as:

• Mastercard flag;
• Being accepted in thousands of establishments in Brazil and in more than 200 countries;
• It is a national and international card;
• You can request the card on the website or in the app, among other benefits.

Bonus:

O Agibank It also offers an advance on the 13th salary for retirees from the INSS, army and SIAPE. This means that the applicant does not need to wait until the end of the year to receive that extra money from the thirteenth salary.

With so many possibilities, it can be difficult to choose the ideal loan for you, right? The most important thing is to apply for the loan that best suits you and meets all your needs, so that you can make the most of your money.