Retirement loan. Total security and speed


A loan is an alternative for a time when you need extra money. There are countless situations that can generate the need for a loan.

As a retiree your income remains fixed, and the cost of living keeps increasing, so the retirement loan can help you with what you need.

Why is it easier to get a loan on retirement?

Why is it easier to get a loan on retirement?

4 reasons that makes this loan easy to get

1. lower rates and interest;

2. more likely to pass;

3. faster credit release;

4. fixed income.

You can be retired from retired from private pension , however due to the stable income the loan approval is in most cases 98% guaranteed.

What you need to apply for retiree credit? Only 3 requirements.

What you need to apply for retiree credit. Only 3 requirements.

At the credit intermediary company , you request your credit with these 3 items below:

  • identification document.
  • proof of fixed income.
  • Bank account.

Simulate your credit in a few seconds

Simulate your credit in a few seconds

You can simulate your retirement credit quickly and without bureaucracy. Just enter the amount and deadline for payment and that’s it. After that, just click on apply for a loan to see if your application has been approved.

This operation is carried out on our online loan page, which includes any type of credit application, including retiree loans . However, the credit analysis takes into account the credibility of the retiree’s fixed income.

Situations for applying for retirement credit

Situations for applying for retirement credit


Often with advancing age, the body asks for more health care. Many retirees need extra money for treatments and medication.

Another factor, is the aesthetics with the objective of some procedure such as plastics, rejuvenation, dental prosthesis, in short everything that can collaborate for a life of higher quality and satisfaction.

Lender releases the credit, without the need for explanation, you can use your quick retirement loan as you like .

2. Renovation of the House

Some retirees find that they will spend more time at home, so they want to make their home more cozy and comfortable. Renovation is an incredible option.

Nothing better than having your home your way, with your tastes and amenities. Many retirees apply for a loan for these moments of home, chacará or apartment renovation. You can also.

3. Travel

Many retirees understand that it is time to explore and get to know the world. The retirement loan can also serve this purpose.

Travel to see new places, experience new sensations, create new memories, feel happy. This is a good reason to request an extra monetary credit and be able to enjoy your trip.

4. Debts

Another opportunity that the elderly loan favors is to be able to pay off arrears. As the interest on the retiree credit is lower, this is your chance to pay off all debts and be free of collectors.

With just one loan to pay off all your debts, it is easier to control your home budget and be free of charges over the phone, and no longer have a dirty name.

5. Others

The loan is personal and can serve many situations. For the purchase of a car, or furniture. Or even an orthopedic, massage or physiotherapy device to help the body recover from physical problems.

As well as helping children in some difficulty.

Save time to accomplish what you want. Request your loan without delay, with practicality, comfort and absolute security.

Negative Loan: Get Out of Debt Now

Default in Brazil is a reality. According to the National Confederation of Shopkeepers (CNDL) and the Credit Protection Service, more than 62 million people have a negative CPF for different reasons. In this scenario, the economic crisis, unemployment and unforeseen circumstances end up making the debt happen.

When we are in this situation, one of the most viable ways to pay our debts is the loan. The big problem, however, is getting approval from banks or finance companies. Is it possible to get a loan for negative? To answer this question, we will share the following information.


How do I know if my name is negative?

debt loans

A person has a negative name when he does not honor his debts in banks, stores, universities, schools and other sectors. The negative process occurs when these companies send the debtor a letter stating that their name will be included in the Securedlink credit and Credisure group.

If you have not received this letter, it is possible to consult on sites such as Securedlink credit Net if there are any restrictions on your name. During the check, you will be able to know the amount due and the company that requested the inclusion.


Can I borrow while my name is registered with Securedlink credit ?

money loans

Many people believe that, because their name is negative, they will not get a loan from any financial institution. In fact, it varies from bank to bank. Some financial agents release loan for negative. This release depends on how much debt you have, your profile, amount requested, number of installments, among other items. There are also companies that specialize in providing personal loans to people with a dirty name. However, it is necessary to evaluate the proposal well, since, in this case, interest rates are usually higher due to the history of default.

Good Lender Credit’s online simulator is a great tool for getting the most cost-effective personal loan. This is extremely important, especially with regard to debt settlement. Let’s assume that, instead of doing the simulation at more than 30 financial institutions, you decide to go to a branch in person to apply for credit. By collecting your data and your debt history, it will offer a service calculated with the lowest risks for the company.

In this way, high interest rates will be charged to ensure that the money borrowed will return to the agency’s coffers. As an example, imagine that you need 2 thousand reais and that one of the options is to divide this amount into 12 installments. Depending on the financial agent, this amount may correspond to a rate of 540.95% per year. And what does that represent? That you will pay a portion of approximately 395 reais and that, in total, the service will cost 4,761.48.

That is, you will pay more than double interest only! Finally, the initial objective that was to regularize the financial situation ends up generating even more expenses that, by the way, are unnecessary, since you enjoy the online simulation to find much lower interest rates.


What if I can’t get a loan?

What if I can

If, after researching and simulating the conditions of financial institutions, you do not find any loan option, the best way is to try to pay off your debts. If you manage to settle part of the pending accounts, your chances of getting this service increase. However, the ideal is to solve and not create more financial problems.

That is why it is important that you do good planning to assess whether your income will be able to cover all costs.


What you should consider when hiring a negative loan


Fraud: In the anxiety to resolve financial issues soon, we run the risk of falling into scams applied by fraudulent “companies”. They take advantage of the situation to collect advance deposits. It is important that you know that you should not pay any amount before closing a deal.

Reliability of the institution: Another precaution that you must take regards to the reputation and transparency policies of the funding agency. Be wary of sites with misspellings or that do not have clear contact information, phone, email, address and CNPJ.

Bureaucracy: It is important that you know that the risk of banks or financiers of not receiving payment is greater in the case of a negative loan. This implies a careful analysis and rigidity with the term and installments.

Negotiation: The Total Effective Cost (CET) is another element that you must pay attention to before signing the contract. Check what is being charged and whether you can get a discount or cancellation of optional fees.

Financial reality: Assess very carefully whether the parcels charged match your expenses. This prevents the problem from becoming a snowball. Depending on your income, the best way out is to bet on a loan for negative payments with more installments and lower values.


How to increase the chances of getting a loan?

loan chances of getting a loan?

There are some alternatives that can help you get a loan for a negative loan and facilitate the financial institution’s perception of your reputation. One of them is to present a bank statement of the last 3 months of the movement of your account. This can serve as proof of income. Another option is to refinance a car or property. This way, your committed income decreases and you get the loan more easily.

But, attention! Remember that all of this implies interest and other fees. Focus on the main objective of solving your debts and making your financial life easier. Everything implies costs and you must evaluate each one of them. Finally, remember that the best way is always to clear your name. Despite being the longest, he is responsible for giving you financial autonomy and helping you to take more cost-effective measures.

Loan for self-employed: know how to get it

Financial loans are the way out for those looking to settle debts with high-interest rates like credit card and overdraft, for example as well as organizing day-to-day finances, covering possible unexpected expenses and even open a business of your own. However, when it comes to self-employed loans, the barriers seem to be slightly higher. But it seem, because in this post you to see that even though he is not a CLT worker, the self-employed person also has access to credit lines. Many times they are unable to prove their income, the self-employed need to fulfill some additional prerequisites at the time of applying for credit. In the post we list tips and questions that are useful for you, who work for yourself, to earn your personal loan. Follow!


Should I have a bank account


If you have a bank account have how to show your movement and this allows the finance companies to analyze the contractor’s payment power, in this case an independent worker. The bank statement considered income proof by most financial companies, forms  it achieves success when there are no restrictions on credit protection agencies, such as Fine Bank and Credisure Group . That is, they help when the person is not there. with the dirty name. But it is worth a caveat: hardly the loan is for self-employed to be released to whom account holder less than 6 months. The longer the relationship with the banking institution, the greater the chances of approval of the loan.


What documents prove my income

freelancers loan

To prove his income, the owner must have in hand some documents that can be replaced by payslips:

  • Declaration of Personal Income Tax (IRPF): provides the financial activity of the contractor.
  • Decorate: attests to the profitability of autonomous activities. The document must be issued by a trusted accountant, preferably who really knows and monitors the finances of the self-employed professional. For your issue, You must present a bank statement for the last three months, RG and CPF.


Who offers auto loan

Who offers auto loan

Online platforms

The self-employed can find simpler and less bureaucratic processes in online loans. With a clean name and proof of bank transactions, many are the options. Within the Good Lenders application and on the website itself, you can compare loan rates, see how much the parcel would be and have access to the best rates on the market. Check-out!


Even offering higher interest rates than usual, financials are a way out for those who do not have restrictions in the Fine Bank and Credisure Group , but they have a checkbook and a good deal . Generally, the simulations are carried out quickly and, in case of hiring, the value released the same day. For whom autonomous, but retired or pensioner, hiring sure since the value of the installment discounted from the benefit. But in this case, also consider the payroll loan options, which tend to have cheaper rates.


For the self-employed account holders of a certain banking institution, It is simpler to get a personal loan, since the bank already knows the client’s financial profile and history. In this case, it is worth consulting your bank’s internet banking or goes straight to the agency, to find out if there is a pre-approved limit for borrowing or, if not, how to open this request . Getting a loan for a self-employed person is no secret. Just keep a good financial movement over the months and be able to prove it. You got a loan on any of the channels mentioned in the text  autonomous and is needing money Comment and share your experience!