The Nubank loan is one of the resources that fiintech makes available to its customers through the application. Even before taking out a loan, it is possible to carry out a simulation, so it is not necessary to take a risk with doubts about whether it is safe or what you really want to do with Nubank.
With the loan simulator, it is possible to check the values of the installments and interest of the chosen modality. In this article, you will really find out if it is worth taking a loan with Nubank. Keep reading!
What this article covers:
How does the Nubank loan work?
The online platform allows its customers to take out personal loans. See how it works.
- Select the option “Get a loan”;
- See the value available to you;
- Check if your request has been approved;
- The money will be transferred to the account you indicated.
Applying for the loan is very simple and fast, but it is important to pay attention to every detail, since the subject is money. In order not to get into trouble with debts, the best thing to do is to pay attention to the payment deadline and pay them all on time.
What are the requirements?
There are no requirements to apply for a Nubank loan. This is information that only you as a customer can know. But one thing is certain: the bank makes loans available to those it knows are good payers and have no debts with the financial institution.
Interest rates may vary, as they vary according to the customer profile. All information is available at the time of loan simulation. This information includes: CET (Total Effective Cost) in addition to the IOF (Tax on Financial Operations).
In IOF for loans, it is 0.38% rate not counting 0.0082% percentage per day. The calculation of the amount is done according to the payment period.
How to apply for a Nubank loan?
Those interested in the loan must have an account on the platform and have a Nubank credit card. The fastest way to apply for a loan is through the application. In this way, you can apply for a loan wherever you are.
Choose the option to be redirected to the simulation before the actual contract. There, just enter your personal data.
How long is the account available?
After loan application and with the request accepted, the money falls into the customer’s account instantly.
What is the maximum amount of the Nubank loan?
The maximum amount depends on the customer’s profile, first of all a credit analysis is carried out. This analysis considers user history. The maximum value is available on the initial screen while still in the simulation.
For customers with active salary portability, Nubank offers an additional 15% discount on the loan amount. The minimum amount is R$ 30.
After all, is the Nubank loan worth it?
Like any other modality, the Nubank loan needs to be used with conscience. For those who don’t have a loan history yet, Nubank is the ideal option. After all, some banks, or the main ones, rely on a large bureaucracy to make loans.
Remember to use the Nubank loan wisely. Also, be aware of everything related to the loan so you don’t have surprises or get into debt and end up not being able to apply for more credit with the bank.