SANTANDER PERSONAL LOAN

Personal credit is one of the best options for managing finances, purchasing assets or managing any project you want to execute today.

The calculation of your credit rating and expected interest rate depends on various data provided by you, including personal data, requested amount and installment range.

All assessments will be made based on a credit rating range.
Santander Financial offers a personal debt consolidation calculator that provides your loan and card interest rates and helps you choose whether you want to consolidate a home equity loan, home equity line, personal line of credit or personal loan.

When renting a Santander personal loan, you can also count on Premium 3 protection, which guarantees payment of the loan balance in the event of death or permanent disability due to an accident.

You can also get three months of R4 auto premiums from the second month after being hired and receive $20.000 over the next 12 months.

For Premium Protection Insurance, your insured value will be equal to the personal credit limit contracted to cover the outstanding balance determined on the date of the loss.

The maximum compensation limit is R$100.000, the personal credit will be paid in advance and the difference will be paid to the beneficiary if the insurance is still in force.

Who can apply for a loan at Santander?

To apply for a personal loan with Santander, you must be at least 18 years old, have a current account and have no name restrictions. However, banks usually ask for proof of income.

If the customer already has an account with Santander bank, they can sign a personal loan contract through online banking or an ATM.

This is because there is usually a pre-approved account holder limit. If you do not have an approved limit or the pre-approved quantity is less than necessary, you must contact Banco Santander. This is also true if you find that interest costs are high.

Benefits

Quick deposit: If the customer already has an account, the amount applied will be released to the customer's current account at the same time, otherwise the credit limit will be analyzed;

Flexible installment options: you can choose the payment date for your first payment, including your salary and/or monthly income, within 60 days after your account is credited;

Account debit: The loan takes the form of an account debit, which can facilitate settlement. But for this to happen, staying financially healthy is essential. After all, if the balance is insufficient, it goes to the special check – the second line with the highest interest rates in Brazil.

To view conditions and values, you must take your most recent personal documents to one of our agencies.

You will also need to provide employment and income information, as well as other personal information, including your identification number and cell phone number.

If you have a co-applicant, he or she may even have to fill out their personal details first for review.

Any options sought are subject to credit analysis and approval and other conditions in force at the time of signing the contract.

We recommend that you use your credit responsibly. Before agreeing, confirm that the transaction is suitable for your financial needs.