Applying for a freelance loan can be easy. If you do not have a work with a formal contract you can also apply for a personal credit, provided you present your bank statement as proof of income.
But how does it work? Let’s explain!
There are several types of credit available in the market. A lot of people are used to hearing about payroll loans, which deduct installments directly from the payroll of the user. This type of loan is not available to self-employed, precisely because of this form of payment.
Those looking for a self-employed loan therefore need to resort to other types of credit available in the market, such as online personal loan .
In order to apply for a personal loan such as this you need to present, among other documents, the bank statement for the last 90 days. It acts as proof of income, thus allowing credit analysis and possible release of loan for self employed.
Can you borrow without a CPF consultation?
Every company that releases a credit consults your history, evaluating your profile and whether your social security number is negative. Even if she offers a loan for her profile, if the results of the analysis are negative, the rates will be high.
At Bolico, for example, we have a careful credit analysis, which enables us to offer loans at rates much lower than our competitors’ average. This gives the client with good financial history the advantage of making a personal loan paying less.
How do I simulate internet loan?
There are several websites that allow credit simulation, including banks. However, it is necessary to evaluate that the values are estimates. The CET (Total Effective Cost) of a loan may vary based on the client’s credit analysis and installment option.
In Bolico, the CET ranges from 3.30% to 5.77% per month (48.44% to 97.88% per year). The loan simulation, as well as the hiring, is done entirely online and allows the client to estimate the installment values.
Only after the actual loan application, with the confirmation of the data can the customer know exactly what the CET offered to him and the value of the installments.
If you want to compare personal loan offers from different financial institutions, it is important to note proposals that consider the same values, past information and number of installments.