Money in Hand in No Time: See How to Get It!

What loan do you need?

Credit assigned to CLT

O fast and safe loan is more accessible thanks to the loan for workers with a signed employment contract.
Previously exclusive to retirees, this model is now also available to those who work in the private sector under the CLT regime.

In this type of credit, the installments are deducted directly from the salary. This offers security to the financial institution and, at the same time, reduces interest rates.

Furthermore, the risk of default is lower, which makes approval easier even for those with a negative credit rating.
See the main features:

Lower interest rates than common personal credit.
Installments of up to 84 months, depending on the institution.
Ease of approval, thanks to the direct discount on the payroll.

However, it is important to remember that the installment value cannot exceed 30% of the monthly income.

In the event of dismissal, there are specific rules set out in the contract — including the possibility of deducting the termination balance.

Secured Loan

O secured loan is one of the most advantageous modalities for those seeking credit with reduced interest e longer term to pay.

In this modality, the applicant offers a as well as guarantee — usually a property or vehicle — which reduces the risk for the bank and, consequently, improves contracting conditions.

How does it work?

By offering an asset as collateral, the customer continues to have possession of the property or car, but authorizes the bank to take it if the debt is not paid off.

This gives more security to the financial institution, which reverses this lower risk into lower interest e highest value released.

Types of Warranty

1. Home Equity
Ideal for those who need higher values, such as opening a business, paying off expensive debts or investing in a medium or long-term project.

Amount released: up to 60% of the property value
Average interest rates: from 0.90% per month + IPCA (or 12% per year, on average)
Deadlines: until 240 months (20 years) to pay

2. Vehicle Warranty
More accessible for those who need it smaller values and wants to keep the car in your name while you pay it off.

Amount released: up to 70% of the appraised value of the car (with up to 10 years of use)
Average interest rates: between 1.49% and 2.5% per month
Deadlines: until 60 months (5 years)

Advantages

Lower interest rates than other modalities (such as personal credit or overdraft)
Highest value released for those who need larger amounts
Long terms payment, with more affordable installments
Freedom of use: the value can be used as the customer wishes

Points of Attention

Failure to pay installments may lead to loss of the asset given as collateral
It is important to analyze the contract conditions, including adjustment clauses, insurance and possible additional fees

Practical Example

Imagine you need R$ 100 thousand to pay off debts or invest.

With a property valued at R$250,000 as collateral, it is possible to obtain this amount with interest of R$11,000 per month and pay in up to 15 years.

Meanwhile, a common personal loan for this amount would have interest rates of 3% to 6% per month and much shorter terms, which would make the installments much heavier.

Personal loans

Another common way to get a fast and safe loan is personal credit.

This modality does not require collateral and can be used for various purposes: paying debts, taking a course, covering emergencies or investing in a personal project.

Although the interest rates are a little higher than for payroll loans, the process is usually faster and less bureaucratic.

Still, it is essential to compare conditions between banks, cooperatives and fintechs before deciding.

Main advantages of personal loan:

Free use of the amount received, without the need to justify the destination.
Quick release, usually within 24 hours of approval.
Easy access, including for self-employed and informal workers.

Therefore, for those who need money without compromising an asset as collateral, this is a viable and practical alternative.

Online loan: everything without leaving home

With the evolution of financial services, requesting a fast and safe loan over the internet has become a practical reality.

Today, it is possible to carry out the entire process — from simulation to signature — online and securely.

The main benefits include:

Easy proposal comparison, with transparency.
Less bureaucracy, with rapid evaluation.
Money released in a few hours, in many cases.

However, even with the ease, be sure to check the credibility of the platform before sending personal data.

Conclusion: conscious choice and planning

Find a fast and safe loan requires care, but it also opens up real opportunities.

With so many options available, you can choose the one that best fits your profile and current needs.

Carefully evaluate the conditions, read the contract carefully and choose recognized institutions.

With planning, the loan stops being a problem and becomes an effective solution.

Written by Francisco Updated May 8, 2025