Empréstimo Pessoal Negativado

Compare loans for people with a negative credit history: Nubank, Caixa, Serasa. Simulate and choose.

Are you in debt and need a loan? The "Personal Loan for People with Negative Credit" compares the best options for those with a negative credit history: Nubank, Caixa Econômica, Serasa, Banco Inter, and more than 10 other institutions. Simulate installments, compare CET (Total Effective Cost), and discover which loan has the lowest rate—without leaving home.

Take advantage of Desenrola Brasil 2026: many Brazilians are renegotiating debts and clearing their names to obtain credit. Our comparison includes secured loans and options without credit checks (SPC/Serasa).

No more opening dozens of websites to compare loans. Comparator, simulator, and installment calculator all in one place.

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PERSONAL LOANS IN 2026

• Desenrola Brasil has expanded access to credit and opened new personal loan lines for those with negative credit history.

• Digital banks such as Nubank, Inter, C6, and PicPay have entered the online personal loan market strongly with competitive rates.

• Caixa, Banco do Brasil, and Itaú have modernized their simulators and accelerated online approval.

The Serasa and SPC credit scores are increasingly important when comparing rates.

The Personal Loan for Those with Negative Credit History tool brings everything together in a single comparison.

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MAIN FEATURES

• Online personal loan comparison tool — See interest rates, APR, terms, and amounts from major institutions side-by-side. Filter by employment status, SPC/Serasa status, and 100% online application.

• Fast personal loan — Find institutions that release credit on the same day, with immediate decision and money in your account within 24 hours via Pix or TED.

• Loan simulator — Calculator with month-by-month amortization table. Enter amount, term, and rate; see fixed installment, interest paid, and outstanding balance. Compare scenarios before closing.

• Loan for those with a negative credit history — Filtered list of institutions offering credit even with a negative credit history (SPC/Serasa), with clear rates. Ideal for those renegotiating through Desenrola Brasil.

• AI-powered financial assistant — Get answers to your questions about loans, interest rates, CET (Total Effective Cost), portability, FGTS (Brazilian Severance Indemnity Fund), and Birthday Withdrawal in Portuguese, instantly.

• Financial health quiz — Assess your situation in 5 questions and receive a score with practical tips to improve your score and pay less interest.

• Free financial education — Learn how personal loans work, the difference between CET and nominal rate, portability, payroll loans, FGTS, and how to negotiate with banks.

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WHY CHOOSE OUR APP?

✓ Free, no registration required
✓ Doesn't check your CPF (Brazilian tax ID) to show offers
✓ Updated comparison of major financial institutions
✓ Simulator with amortization table
✓ Immediate decision: see rates and terms instantly
✓ Options for those with negative CPF and renegotiation
✓ Tips on Desenrola Brasil (a Brazilian loan program) and portability
✓ Financial AI assistant in Portuguese
✓ Modern interface, dark mode
✓ 100% in Portuguese, made for you Brazil

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HOW IT WORKS

1. Answer 4 quick questions about your profile
2. Receive compatible personal loan offers
3. Compare interest rates, APR, and terms
4. Use the simulator to see the installments
5. Apply directly on the website of your chosen institution

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IMPORTANT NOTICE

This application is an educational guide and comparison tool for personal loan offers in Brazil. We are not a financial institution and do not conduct credit operations. All offers are provided by our partners and may change at any time. Before contracting, read the contract, check the CET (Total Effective Cost) and consult a financial specialist.

Privacy policy: https://hsaggroup.com/privacy

Download now and find the right personal loan for you in 2026!