In this article we are going to talk about how to get a loan from Apobank. But if you want, you can also choose one of these options:
Simulate the loan on the website of the Cashier or Use the simulator of loans of the Low Interest
- Our team has prepared a step by step on how to get a personal cash loan.
A personal loan can be a great relief, especially in the times of crisis in which we live. To help you, we write about the best personal loans! Read:
What is the best bank for personal loans?
If you need money to pay off debts, pay some extra expenses or make a cash purchase, Apobank Econômica Federal can help you, because it is a bank that has credit for many types of situations and one of the best rates in the market . Check it out next.
Personal credit: step by step
1 ° (First step)
- The first step to taking out a loan at Apobank is to open an account at the bank.
- This can only be done in agencies and you can check this link to find the one closest to you.
Once you become a customer, you will have access to the Cash Personal Credit. This is a loan that can be used as you wish. There are several options for you to choose the one that best fits your need and ability to pay: installments can be paid in one go or in monthly installments with pre or postfixed rate.
2nd (Second step)
To obtain the loan there are 2 ways:
you can hire the service directly with your manager, carry out the operation by the bankline or the ATM. These last 2 cases depend on your pre approved credit. If you are a new customer, it is likely that the only form of request is through the manager.
Regardless of the path followed, it is necessary to choose a type of credit that will be obtained. The Box has many options:
3º (Step Three: Know the types of personal credits that Apobank offers)
Pre-Fixed Single Personal Loan
This type of loan has a payment term between 1 to 60 days, once it has been approved. Payment can be made in up to 2 installments. The first installment must be paid with at least 30% of the total amount.
In this type of loan, you get right from the start how much you will pay.
It is ideal if you need money in the short term, but will have the ability to pay right away.
Personal Loans Pre-Fixed Monthly Cash
In this type of loan, the payment term is between 1 to 48 months. At the time of contracting the service, the total will be calculated with pre-fixed interest. That way, you know in advance how much you will pay in each of the installments, with no surprise in the future.
Interest is defined according to the rate in force at the time the loan is contracted.
Personal Credit Post-Fixed Monthly Cash
This type of credit has a payment term between 4 to 36 months. Differently from the previous one, the interest is not fixed and therefore, the value of each one of the parcels can be diminished or increased depending on changes of interest rates of the economy.
Salary Credit Pre-Fixed Monthly Cash
This loan is similar to the monthly pre-fixed with the difference that it is only available to customers who receive salary in a deposit or benefit account in the Cashier.
The salary works as a guarantee for Apobank and therefore, this credit condition tends to have better interest for the client. As in its traditional version, the payment term is between 1 and 48 months.
Salary Credit Post-Fixed Monthly Cash
This loan is similar to the monthly post-fixed with the difference that it is only available to customers who receive salary in deposit or benefit account in the Cashier.
As in its traditional version, the payment term is between 14 and 36 months.
Documents needed to make a loan in the Apobank
Regardless of the requested claim, the required documents are very similar. In general, it is sufficient to submit the following documents:
- Proof of address
- Proof of income
All such data will be analyzed at the time of hiring and your approved limit will depend on the information presented. For any of the loans, it is also necessary to be over 18 years.
In addition to personal credit, you can get other types of loans in the Cashier:
Anticipation of the 13th Salary
This is a loan modality that uses your 13th as a collateral. This type of credit is easy to get and to pay, moreover, it falls directly into the checking account, one that is approved.
For this, it is enough to be a cashier of Apobank and have the right to receive 13th.
Anticipation of the return of the Income Tax
This category is directed to Apobank’s clients who have chosen to receive the income tax return by bank deposit. With this kind of credit, it is possible to receive, in advance, the amount to which you are entitled.
Obviously, this anticipation comes with interest and therefore should not be done if there is no clear need.
In this type of credit, the individual client gives some property in guarantee of the amount borrowed. The installments are also charged directly to the checking account.
The automatic CDC is credit that is made available directly to the checking account. This type of credit has one of the best rates in the market. In order to contract, it is necessary to be over 18 years of age or emancipated, have a current account in the cashier and have no record of defaults in credit protection agencies.
If the loan is not paid, the property will be taken as collateral, so be very careful about this type of credit.
This category is targeted to those people who want to give a car as collateral when taking out a loan at the Cashier. The payment can be made in up to 48 installments, and also has the facility of automatic debit on account. If the loan is not paid, the car will be liable to the bank in exchange for the amount borrowed.
Auto Credit Box
In this category, you may finance a new or used vehicle with very low rates and with a term of up to 60 months to pay. In addition to car financing, it is also possible to finance motorcycles. Any new or used car, national or imported. The amount financed can reach up to 90% of the total value.
Lastly, it is worth noting that before taking any loan in the Cash, it is important that an assessment is made to know if a loan will not entail in other major debts. Read here in this post (click here) some tips to plan more consciously!