What does Simplic do? Simplic is an online personal loan company that provides and provides cash credit with the application of interest to web users who are restrained and financially difficult. In general these people want to make loans for negatives, they search the internet for this type of transaction because traditional banks and financial institutions do not evaluate their CPF’s without consulting the SPC and Serasa .
Simplic, the name itself already indicates that its way of working in the financial system is simplified. At that time the company has teamed up with a bunch of fintechs that use technology extensively to offer online loan 24 hours a day , 7 days a week without paperwork and all over Brazil. You may need Simplic financial products, especially if you are in need of urgent cash and immediate response.
The companies of loans for negatives and “non-factored loans” are in full evolution, you can solve everything by internet without even leaving home. Simplic makes every online operation and is one of the first credit facilitators for people with dirty name of Brazil.
For those who do not want to waste time with private lenders as moneylenders and spend their money with the absurd interest of the credit card, one of the solutions is to register and do one or more simulations to find out what kind of loan will do the your pockets.
Well, let’s stop delaying and let’s get right to the point to know if Simplic is reliable , and if your loan is secure and how the interest rates are charged on the loan without consulting the CPF, SPC and Serasa. We will explain here a little more about “Simplic”.
What is it does to and how it came to Simplic
Simplic is a company that operates together Sorocred, it started activities in the year 2014, fitting into a specific segment that only some financials were operating such as Crefisa Financeira, Losango personal loan and Banco Pan etc. She acts with personal loan for negatives and not negatives. Your online credit is fast and secure.
The motto is to simplify and maximize the service process. It is worth mentioning that online loan could only be done by people who have active account and pre-approved credit, but today this has changed, with Simplic, making a loan does not require going to any bank or physical store established in street or office.
If you are restricted in name, you have been denied because you owe, no problem, your risk of being embarrassed does not exist when the loan is made online.
Simplic is not a financial partner, she is a banking correspondent who acts as intermediary between credit and personal loan transactions through the internet through the website www.simplic.com.br and her application, both Android and Apple’s IOS.
Is Simplic a reliable company?
No doubt that yes, the site is reliable and the loan is safe from registration to finalization when the money is released. The most important in the customer relationship lender on the internet is to protect your information, and in Simplic they are protected by a system of digital certificate with SSL encryption equal to the great banks and financial of the country.
Simplic does not claim it here
Is Simplic loan secure?
To make loan in Simplic is safe and reliable, the company is certified authorized with a correspondent bank and acts within the rules established by the Central Bank of Brazil. This authorization to operate as an intermediary is granted only to legal entities with active CNPJ, the operators are obligatorily certified by Aneps or Febraban, in addition to having their activity constantly supervised by legal entities.
The consultations and simulations carried out by the internet are all done in a transparent and safe way. Before agreeing to the loan proposal, the system will demonstrate all the costs included in the loan (CET) as: monthly interest rate, extra costs, fees and taxes. You will close a loan agreement fully aware of what you will receive and what you will pay in relation to the loan released.
How does the loan work in Simplic?
It is simple, you will need to register on the platform to gain access to the system. By doing this you will have the chance to enter the request informing your personal data like the CPF, income, address and other information. Enter the system, simulate the value you need and wait.
Although there is no consultation with SPC and Serasa, Simplic maintains a time for evaluation that can take up to two days if there is an error or need for extra information. If it is approved, the money is released directly into the account reported, on the same day or in a few hours.
Is it easy to get the loan?
As you will be able to verify for yourself, online loan application is one of the easiest, most uncomplicated and quickest to make, it is intuitive and will not require much effort from the user, just a cell phone, tablet or computer – and that’s it!
The customer enters the system of the site and immediately can see the location where you can select the amount you need, how many installments you want to pay and what the amount will come out the loan. You can get loans from $ 500 to $ 3,500.
What is the interest rate and extra costs?
Simplic, because specializing in credit for negatives charges a security interest rate more, this occurs in most other online personal loan companies, high interest rates allow financials and companies to have spred even in cases of many defaulters.
|Ranking||Creditor||Tx Interest Month||Tx Interest Year|
|1 °||OMNI – CFI||5.81% a Month||96.92% per Year|
|2 °||Sorocred – CFI||8,83% a Month||175.90% per Year|
|3 °||Losango S / A||10,27 a Month||223.25 a Year|
|4 °||PortoCred – CFI||12.46% a Month||309.18% per Year|
|5 °||DaCasa Financeira||14.14% a Month||389.10% per Year|
|6th||Moneyman||11.70% to 15.70%||475.44% per Year|
|7th||Simplic||15.80% to 17.90%||621.38% per Year|
|8th||BMG Bank||16,03% a Month||736.94% per Year|
|9th||Crefisa – CFI||19.37% a Month||737.03% per Year|
|10 °||Facta – CFI||21.36% a Month||920.72% per Year|
The interest rate is fixed at: 15.8% per month + IOF rates, in this model, the loan released will be a little expensive, when it is concluded, analyze the Total Effective Cost (CET) of the Transaction.
Compared to other institutions the interest rate is high but reasonable, especially when we look at the rates of other credit providers that loan offers for negatives. Currently the personal loan rate is 7.15% per month for those with a clean name.
Do you have the need to take out a loan by being negative with high interest rates? If you do not have a way, the tip is that before hiring or making a bank or financial credit application , check the real need to use that money that is certainly expensive.