Online loan easy and uncomplicated. This is how Credisfera works, a digital platform that has transformed the lives of people across the country with interesting and fair credit proposals. Credisfera is a banking correspondent of Banco Semear SA and acts as an intermediary between people and banks and, therefore, facilitates the acquisition of loans and reduces the waiting time for them to be released.
Credisfera is a group of professionals with vast experience in banking and technology and has emerged to work mainly on two fronts: to offer personal loan through the internet, making the process more comfortable, discreet, fast and economical, and to help people who are in doubt if should even apply for a loan.
The motto of Credifera is that loan has to be worth it. Therefore, the platform works to complicate the process of applying for credit by individuals, guiding their clients if a loan is really the best solution, reducing interest rates more and more, optimizing the time by allowing everything to be resolved through the internet and minimizing bank bureaucracy.
Platform creosphere peer to peer lending
Soon, Credisfera will also create an alternative for those who have the money to invest, that is, act as a Peer to Peer Lending Platform. Peer to Peer Lending is a form of borrowing through an online platform, fits as a collaborative economy mode, which involves borrowing between those who have the resources to invest (the investors) and those who need resources (borrowers).
There is no traditional involvement of banking institutions in the process, so there is no spread in the operation, with interest being applied only to investors’ compensation.
How do Crediosphere loans work?
Currently, Credisfera loans are intended for individuals who do not have any type of credit restriction. For now, customers in this situation are outside the platform’s credit policy and have a very low chance of credit approval. The loan amount can be from R $ 3,000.00 to R $ 15,000.00.
Interest rates are variable, but still lower than those of banks. Depending on the credit profile of the borrower, interest may range from 3.4% to 8.9%. The installment is also very flexible. Your loan can be repaid at 6, 9, 12, 15 or even 18 times.
Who can borrow in Credisfera?
You must meet the following requirements:
- Have a valid CPF;
- Be between 21 and 65 years of age;
- Have a checking or savings account (you must be the holder);
- Have a personal email active;
- Have an active personal cell phone.
Salaried employees may also apply for a loan, but in this case it is important to have another type of source of income so that their chances of getting credit increase.
Steps to apply for a loan in Credisfera
Basically, there are 5 steps to applying for a loan on the platform , from the registration to the release of credit. See how it works.
Step 1: Initial data: In this step, the person interested in applying for a loan accesses the web site and provides all the necessary data. He will have a free, non-binding account with a unique password that he can use to check all the information about his loan.
Step 2: Personalized proposal: After analyzing your profile, the system will determine the most appropriate interest rate and will show you a personalized proposal with important information such as loan amount, payment deadlines, IOF and other rates.
Step 3: Complementary data: Now that you have evaluated the customized proposal and chose the most appropriate loan option for your profile, it is time to officially file your loan application , filling out a form with all of your supplementary data.
Step 4: Sending documents: With your complete registration, you will need to send a scanned copy of your photo ID and the signature currently used. Depending on the case, it may also be necessary to send scanned copies of proof of residency and income. Now, your proposal will be forwarded by Credisfera to the bank and will be analyzed. Within 2 business days, you will receive a return with the result, that is, in a very short time you will be able to know if your proposal was approved or not.
Step 5: Loan Release: If your proposal has been approved, in this last step, you will have to sign your agreement digitally, on Credisfera ‘s own website. To do this, simply read the terms of the agreement carefully and follow the instructions. Finally, you print your loan payment slips and you’re done!
How and how long do I get the loan?
If the proposal is approved, Credisfera will send an SMS informing that the requested credit is already available. If you request the release by 2:00 pm on a business day, the money will go into your account on the same day. If you request the release after 2:00 pm on a business day or on a holiday or weekend, the money will go into your account the next business day.
Maturity of loan installments
At the moment, it is not possible to choose the due date of the loan installments. They will expire on the same day of the month that the money is credited to your account.
If you received the credit on April 5, for example, the first due date will be May 5. In the cases where the day does not exist in the payment month (if you receive the credit on the 31st), the following month, the due date may be due on the 30th. Regarding the prepayments : If you want, you can anticipate the payment of one or more installments of the loan, and thereby receive discounts on the total amount due. To do this, just contact us by email (firstname.lastname@example.org).
Credit for negatived Credisfera
Another new modality in the Credisfera online platform is the special loan for people with dirty name in the square, that is, enrolled in the SPC and Serasa, the ” Credit to negativado Credisfera ” in this modality you can get a loan with rates of competitive interest to Moneyman, Simplic and Crefisa to get you out of debt and breathe a sigh of relief.
Is Credisfera reliable and safe?
It is reliable and secure to make loan online in Credisfera yes. All fintech as well as credifera by essentials is a company that is concerned with data security, privacy and confidentiality of the information provided through its online platform. In addition to the basics of protecting access through SSL, the company complies with all the regulations and terms of Resolution no. 3,954 which the Central Bank imposes.