Got a bad credit score? Loans of R$1,500 or more available

Want to secure your loan?

Having a negative credit history doesn't mean the financial world is over. On the contrary: with the growth of digital banks and new forms of credit analysis, it's now possible to get better. loans of 1500 reais or more, Even with a bad credit history. And the best part: with money in the account on the same day, Often via Pix, and without needing to leave home.

In this text, we'll discuss where to obtain this amount even with restrictions, how to check if there's a limit for your CPF (Brazilian tax identification number), which banks are more likely to approve, and what to do to increase your chances of approval. Let's understand how to put some relief in your pocket?

Is it possible to get 1500 reais even with a bad credit history?

Yes! Many banks and fintech companies currently use analytics that go in addition to having a clean or negative record with SPC/Serasa. They assess your recent behavior: whether you use your digital account, pay bills, receive benefits, among other factors. If you have a routine of transactions even with a restriction on your CPF (Brazilian taxpayer ID), there is a good chance of success. loans of 1500 reais or more.

In addition, programs such as SIM Digital from Caixa and digital wallets such as Mercado Pago, PagBank and PicPay They are releasing microcredit even to those with negative credit histories.

Where can I get loans for someone with a negative credit history above R$1500?

Here is an updated list of banks, apps, and institutions that have... Credit offers starting from R$1500 for those with a negative credit history.:

1# Caixa Tem (SIM Digital)
Ideal for those who are informal workers or self-employed (MEI), even those with a negative credit history. The amount can start at R$300 and go up to R$1,500 (individual) or up to R$3,000 (MEI). Payment in up to 24 months.

2# PAN Bank
It offers loans for people with negative credit history, with simplified analysis. The amount released can exceed R$1500, especially for those with regular account activity.

3# PagBank (PagSeguro)
There is a history of approval for those with negative credit history. The amount released increases with app usage and good payment behavior.

4# Serasa eCred
It gathers offers from various financial institutions. Simply enter your CPF (Brazilian tax identification number) and check if there are any offers that reach R$1500 or more. Many accept those with a negative credit history.

5# Will Bank and C6 Bank
Both work with alternative analysis. Release depends on your profile, but there are already reports of releases above R$1500 even with restrictions.

6# Mercado Pago
If you sell through the app or make frequent transactions, you may receive personalized credit offers. There are cases of people with negative credit histories having amounts above R$1500 approved.

How can I find out if my CPF (Brazilian tax identification number) has available credit?

The consultation is simple and can be done on your mobile phone in just a few minutes. Here's the step-by-step guide:

• Access the app of the financial institution you already use. (Caixa Tem, Mercado Pago, PagBank, etc.).
• Go to the tab loans or personal credit.
• If an offer is available, it will be visible and ready to be activated.
• On the Serasa eCred website, Enter your CPF (Brazilian tax identification number) and see all available options, even if you have a negative credit history.

The secret is to try where you There is already active activity.. The chance of having pre-approved credit is higher.

What documents are required?

Generally, institutions only request the basics:

• Valid and regular CPF
• Photo ID
• Proof of address
• Active bank account or digital wallet to receive the payment.
• Complete registration on the institution's app.

Some don't even ask for proof of income. Others analyze the data based on your digital transactions (such as bill payments, transfers, and receipts).

How long does it take for the money to be deposited into the account?

Most of loans up to R$1500 are released on the same day, or at most up to 24 business hours. That is, if the analysis is approved and the data is correct.

When the value is transferred via Pix, it may drop. in a matter of minutes. Therefore, always keep your updated and valid Pix key.

And what about the interest? Is it worth it?

Because these are loans for people with negative credit histories, it's common for the interest rates to be slightly higher than those for people with a clean credit history. However, it's still possible to find good deals.

• Monthly interest rates vary between 2% to 8% per month, depending on the institution.
• Some offer First installment due in 30 or 45 days..
• It's possible simulate before accepting, And this should always be done.

It's worth it if you He needs to get out of this mess now., to pay an overdue bill, buy medicine, food, settle a larger debt, or avoid a cut-off of essential services.

What precautions should you take before accepting a loan?

Even though it's tempting, you need to take some precautions before accepting any offer. Here are the main things to be careful about:

1# Be wary of promises that seem too good to be true..
2# Never pay anything upfront. to release the loan.
3# Use only official apps and websites. of the institutions.
4# Read the entire contract carefully.Total value, number of installments, interest applied.
5# Avoid taking out loans in the name of third parties.. That's risky.

If possible, ask someone you trust for help before accepting any offer.

How can I increase my credit limit for future loans?

Even if you manage to get R$1500 now, it's possible to increase the limit in the coming months with a few simple actions:

• Use the institution's app frequently.Pay bills, make Pix payments, receive payments.
• Avoid delaysPay your installments on time.
• Manage your CPF (Brazilian taxpayer ID) responsibly..
• Avoid falling into default again., even with small amounts.

This behavior shows the institution that you are a good payer, even with a bad credit history — and that counts towards obtaining new loans.

See also: Instant loan via Pix: check out the banks with easy approval

April 14, 2025