Have you ever received a proposal for online personal loan? Normally this type of offer leaves us scratching our heads.
Therefore, not all online personal loan It is a fraud, numerous financial institutions and super renowned banks offer this option.
Therefore, you need to be very careful to know what you are getting into and whether you can trust the offer. online personal loan.
According to a survey by SPC SERASA, approximately 37% of Brazilians have already needed to do a personal loan.
However, what previously seemed like such a difficult negotiation with banks, this transaction has become increasingly normal.
And also in an easier way, since we have the option of online loan.
How easy is an online personal loan?
You have easy access to the contract information, so you can calculate interest easily.
The practicality of analyzing everything without leaving home and being able to make comparisons immediately.
Another ease that you will find is to avoid all bureaucracy, in just a few minutes your approval can be done and your personal loan released.
What are the risks
The internet is a very dangerous field, therefore, we can be deceived more easily.
You need to be careful not to access fake websites and expose your personal data.
You need to take the following precautions:
Know the company that is offering you the loan.
Check whether there are complaints or reports about a particular institution.
The website must have a closed padlock, this information is on the top screen before the page address begins.
Pay attention to the security alert that Google itself issues.
You also need to pay attention to the website's endings, normally the safest ones end with “.com” or “.com.br”.
Normally in the footer of the website, you will find the company's CNPJ number, so you can consult the Federal Revenue Service.
In this consultation you will verify the existence and seriousness of the company, if it does not contain a validated CNPJ record, it is a fake website.
Through the website of Complain here You can also check the company's reputation, in addition you will find comments from other customers.
Do not pay amounts in advance, no company that does personal loan You must request payment of amounts in advance, this is already a big sign of a scam.
Therefore, you need to have access to the contract, read it carefully, if in doubt, pass the contract on to someone else to confirm.
Furthermore, the contract must contain some important information such as installment value, method of payment of interest, information on the Total Effective Cost or CET
Only provide personal information after you are sure of the seriousness of the chosen institution.
Important to Remember:
First of all, never give out your credit card passwords, email passwords or any password for personal use.
Secondly, the online personal loan To be successful, he needs to have concrete information, so pay close attention to details.
Choose a trustworthy bank or finance company.
