Loans for People with Bad Credit
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You May Have Money Left Behind at the Central Bank

Want to secure your loan?

If money is tight and you need quick credit, without hassle and without leaving home, Simplic loan may be exactly what you're looking for. The company offers 100% personal loans online, with analysis in minutes, without needing to prove income on paper and with an immediate response.

What is the Simplic loan?

THE Simplic is a fintech that works exclusively with online personal loan for individuals. It is aimed at those who need small amounts urgently, with payment in installments and without having to wait in line at the bank.

Everything is done online, with just a few clicks, and the money is deposited directly into the customer's account upon approval. Simplic's goal is to offer credit without bureaucracy, with a transparent and fast process—ideal for emergencies.

What are the advantages of the Simplic loan?

What does the Simplic loan stand out among the online personal credit options:

1# Simple request and 100% digital
2# Approval in minutes
3# Values from R$ 500
4# Installments in up to 12 times
5# No guarantor or guarantee required
6# Money in account quickly after approval
7# Accepts those with lower scores (in some cases)

Who can apply?

To apply for a loan with Simplic, you must:

  • To have over 18 years old
  • To have Valid CPF with no outstanding debts with the Federal Revenue Service
  • Reside in Brazil
  • Have a active bank account in your name
  • Own valid email and cell phone number

You don't need to provide proof of income on paper, but you must provide employment and financial information, which are analyzed during the process.

How to apply for a Simplic loan?

The process is all done online, and you can order right now following this step by step:

1# Visit the official website

Go to www.simplic.com.br

2# Run the simulation

On the home screen, you can simulate the desired amount (from R$ 500 to R$ 3,500) and the number of installments (from 3 to 12 months). The system shows an estimated amount for each installment.

3# Fill in your personal details

Please provide your full name, CPF, email address, cell phone number, address, and employment information. This information is used for credit analysis.

4# Create your account on the website

You will create a login with email and password to track the progress of your request.

5# Send the documents

You need to take one photo of identity document (RG or CNH) and one selfie, all done instantly with your cell phone or webcam. This data serves to validate your identity.

6# Wait for analysis

Simplic's system makes a automatic and fast analysis, and in many cases the answer comes in a few minutesIf approved, you can now review the contract.

7# Sign digitally

If everything is in order, sign the contract with one click. No paperwork. The funds are released to the bank account you provided.

What values are available?

The Simplic loan offers:

  • Minimum value: R$ 500
  • Maximum value: R$ 3,500 (depending on the customer profile)
  • Installment payment: from 3 to 12 times
  • Interest rates: vary depending on the analysis, but are between 15% and 17.9% per month

You can simulate different amounts and terms before closing, which helps you understand which installment best fits your budget.

Does Simplic accept people with bad credit?

In some cases, yes. The Simplic loan performs an individual profile analysis, so even people with credit restrictions can be approved — especially if there is proof of income or regular financial transactions.

It's worth a try, as the platform doesn't make unrealistic promises, but evaluates each case carefully.

Is it safe to take out a loan with Simplic?

Yes, the company is registered with the Central Bank as a banking correspondent and follows all consumer protection regulations. The website is secure, encrypted, and does not share data without authorization.

Furthermore, Simplic never charges upfront fees to release the credit. If someone contacts you on behalf of the company asking for a deposit before it's released, it's a scam.

What documents are required?

  • Photo ID (RG or CNH)
  • Proof of bank account in the applicant's name
  • Work and income data (provided during registration)
  • Selfie for identity validation

No guarantor, endorser, or initial deposit is required.

How to pay the installments?

Installments are paid by bank slip, sent by email or available for download in the customer area. It is possible to pay in advance and, in some cases, renegotiate the contract directly through the website.

Punctual payments increase your chances of obtaining new credit in the future, with better conditions.

Is it worth applying for a Simplic loan?

If you need quick, hassle-free money and want a digital 100% process, Simplic loan It's definitely worth it. The company is transparent, the prices are reasonable for those seeking emergency assistance, and the release can be done in just a few hours.

See also: Inter Personal Loan: simulate and apply

May 30, 2025