Find out all about the Itaú loan

Itaú is one of the largest private banks in Brazil and is also present in 18 countries. It stands out for offering various services to its customers, and a good example is loans.

We know that Itaú is a well-known bank and its loans loans are becoming more common these days, as people are in need of extra cash. The bank offers two types of loans, so let's talk about both, and give details of their advantages and how to apply.

So, read the article to the end so you're up to date and don't miss anything, and at the end of the article there's a bonus. I bet this information will make all the difference when it comes to choosing the loan that best suits your needs.

The first type of loan is the consigned loan, which is intended for retirees, pensioners, civil servants and employees of institutions that have an agreement with Itaú. The second is the personal loan, which is the most requested, and when requesting it you don't need to communicate the use of the requested amount.

Below is the summary:

• Payroll loans;
• Personal loans;
• How to apply?

Payroll loans

Available to people working in private companies and civil servants of public bodies, who have an agreement with the Itaú Bankis a cash loan that you can apply for whenever you want.

The coolest thing is that the amount of the installment is automatically deducted from your payroll. Much more practical and you don't have to worry about when the installments are due.

The benefits are:

• Reduced rates;
• More time to pay (up to 90 days to pay);
• Flexibility (you can choose the amount of your installments);
• Easier payment (installments are deducted directly from your salary);
• Anticipation (anticipate or pay off your installments).

One advantage of applying for a payroll loan is that you can do everything directly from home, since it's online. Even if your name is dirty, you can still apply.

Since it's already deducted from your paycheck, there's no need to consult the SPC or Serasa, you just need to fulfill the requirements requested by the company. What's more, this is a great opportunity to get your name out of the red.

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Personal loans

The second type of loan is a personal loan. This type of loan is one of the most accessible and sought-after. Its purpose is to help you if you're in trouble because you can't pay all your bills. By applying for it, you can begin to reorganize your financial life.

This type of loan isn't just for people who are trying to get some extra cash, it's also for those who want to make a dream come true, such as putting a down payment on a house, traveling, buying a car, and so on. You've already seen that it can solve any kind of need, right? How about finding out about its benefits?

The benefits are:

• Time to pay (up to 90 days for the 1st installment or up to 60 months if you wish to pay in installments);
• Choose the due date for your invoice;
• Money falls on the spot;
• Anticipation (anticipate or pay off your installments);
• Flexibility;
• Purpose (no need to justify the use of the money requested)

Bonus

There are also two other options within this type of personal loan:

The personal loan for Itaú retirees consists of a unique and exclusive loan for retirees and pensioners who use the bank Itaú to receive the INSS benefit.

If you are a pensioner and have a pre-approved limit, you can withdraw it at an ATM or at your local Itaú branch. The loan installment is paid on the day your INSS benefit is paid.

The second option is the single installment personal loan, which consists of paying the loan in just one installment, which is deducted from your Itaú account.

You can choose to pay with 14, 21, 28 or 63 days, this is at the discretion of the loan applicant, and to take out this type of loan, you need to go to an Itaú branch and apply for the loan directly with the manager. Remember that the loan applicant is subject to credit analysis in this modality.