How can I apply for a loan with a cell phone guarantee without leaving home?

Have you ever heard of a loan with a cell phone guarantee? This service can be contracted 100% online!

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A cell phone secured loan is a type of loan in which customers "offer" their cell phone to the institution and get lower interest rates and better payment conditions.

The idea of the guarantee is to ensure that the client does not fail to comply with the agreement, since there is a risk of losing the asset.

Financial institutions accept various assets as collateral: real estate, cars, jewelry and, in this case, the cell phone.

Do you want to know more about cell phone loans? Then read on and discover the best options on the market!

How do cell phone loans work?

Institutions that offer a loan secured by a cell phone or smartphone accept the consumer's device as a guarantee of payment.

If the customer fails to pay the loan installments, the device will be blocked and will only work again once the debt has been paid.

Basically, the process works as follows: the bank will carry out an assessment of the cell phone to make sure everything is OK, as well as, of course, analyzing the customer's financial profile.

To take out this type of loan, you need to choose a reliable financial institution.

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Why take out a loan with a cell phone guarantee?

The cell phone guarantee loan makes life easier for customers who need credit quickly and with less bureaucracy.

The approval rate is relatively high, regardless of the applicant's financial profile.

We can therefore say that the main advantages of this type of credit are:

- Approval made easy

- Flexible and affordable

- Good payment conditions

- Fast credit

- Hiring 100% online

- Lower interest rates

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Where can I get a loan with a cell phone guarantee?

There are several companies that offer this service to customers who need fast and affordable credit.

Check out some of the financial institutions that work with this type of loan:

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1. Ohne

Ohne is a company focused on personal loans.

It's an excellent option for those looking for quick and easy credit.

The operation is fast, practical, secure and can be contracted 100% online. Your credit line will be analyzed by Ohne, which has an excellent security system.

To apply for your loan, simply log on to the Ohne website, in the loans area, fill in some personal details and start the simulation.

In this way, the company can better understand your financial profile and your needs.

As far as the secured loan is concerned, any Android phone version 7 or higher can be used as collateral for the loan.

You will need to install an application that restricts access to certain tools on your smartphone if the installments are not paid.

When the loan is completely paid off, the app will be removed from your phone. Alternatively, you can take out another loan for a larger amount.

You can request any amount between R$ 500 and R$ 2,000.

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2. SuperSim

SuperSim is the company with the highest approval rate on the market for this type of credit!

It is a correspondent banking company of Socinal S.A., which works with cell phone warranties for devices with the Android system.

Applying is very simple. The first step is to go to the SuperSim website and fill in the registration form with some personal information. If the application is approved, the money will be paid into your account within 30 minutes.

By the way, SuperSim's cell phone guarantee loan is also available. available for people with a negative credit rating.

To apply for this service, you must be over 18, agree to the terms of membership, provide proof of income to pay back the loan and present an Android cell phone as collateral.

You can apply for a loan of up to R$ 2,500. The amount can be paid in up to 12 installments.

3. Mister Money

Mister Money is a credit company that was founded in 2012.

In fact, it was one of the first Brazilian companies to work with 100% loans online.

Mister Money's aim has always been to help people swap expensive debts for cheaper ones, with fair payment terms and lower rates.

And one of the financial products the company offers is credit with a cell phone guarantee.

It is important to remember that the cell phone will remain in your name and you will use it normally during the period.

The loan amount is a minimum of R$ 300 and up to R$ 5,000, and the loan can be repaid within a maximum of 12 months.

To do the simulation, simply go to the Mister Money.

The first step in applying for a loan is to choose the option that best suits your needs and financial profile.

You will then fill in a registration form with your personal information and send in the required documents.

Finally, the company will analyze your financial profile. If your application is approved, Mister Money will contact you.

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4. Brelo

Brelo works with various types of loan.

One of the easiest and most accessible is credit with a cell phone guarantee.

Among the main advantages offered by Brelo are lower rates, good payment conditions and practicality.

What's more, the credit analysis is quick and the money is in your bank account within 24 working hours.

Using your cell phone as collateral, you can get up to R$ 3,500 in loans.

If something comes up and you can't continue paying the installments, the outstanding amount will be canceled when the phone is delivered in perfect condition.

To find out more about this financial product offered by the company, visit the official Brelo website.

If you want to apply for a loan, just click on the "Contact Us" option.

Conclusion

Now you know what a cell phone guarantee loan is, what the main advantages are and where to apply for this financial product.

And it's important to remember that consumers with a negative credit rating can apply for credit without any fear!

To find out what documents are required, contact your chosen company before applying for credit.