Empréstimo Pessoal Online

Compare personal loans online: simulator, rates, and negative credit history.

Looking for an online personal loan in 2026? The Online Personal Loan app compares personal loan offers from the main institutions in Brazil — digital banks, fintechs, and finance companies — all in one place. Answer 4 questions and receive offers that match your profile. Free, no registration required, and no CPF (Brazilian tax ID) check.

Stop opening dozens of websites to compare loans. Comparator, simulator, and installment calculator all in one place.

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PERSONAL LOAN IN 2026

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

• Digital banks like 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.

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

Online Personal Loan brings everything together in a single comparison tool.

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MAIN FEATURES

• Online personal loan comparison tool — See interest rates, CET (Total Effective Cost), terms, and amounts from the main 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 Negative CPF — Filtered list of institutions that offer credit even with a name on SPC/Serasa, with clear rates. Ideal for those renegotiating with Desenrola Brasil.

• AI Financial Assistant — Get answers to your questions about loans, interest rates, CET, portability, FGTS, 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 APR and nominal interest rate, portability, payroll loans, FGTS (Brazilian employee severance fund), 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!