Want to know how to apply for a personal loan from Iti? Then you've come to the right place. Here you can also learn how the simulation works and learn about the main prerequisites that Itaú needs to hire for the product.
Iti's mission is to make people's daily lives easier through the various features available on its official app. Those who already have a digital wallet can check the amount of their pre-approved loan at any time.
Personal credit is one of the best-known types of credit in the financial market due to its ease of availability, especially for those who need money quickly. Keep reading our post to learn more about the service and how to sign up for it.
Main Features of the Loan
By opting for the Iti Personal Loan, you are opting for a complete and fully transparent line of credit. The conditions are determined for each financial situation, while the defined installments are fixed.
Since customers are not required to put up assets as collateral for loans, the risk of default is considered high and directly affects interest rates, but they are within market standards.
Iti performs a continuous credit analysis of all its customers and establishes pre-approved limits based on this. When the latter is contracted, the money is deposited into the customer's account within a few hours.
→ Apply for a high limit credit card! Click here to see cards with no minimum income requirement!
About the simulation
Loan simulation is a tool offered by the vast majority of online credit platforms, through which interested parties can learn more about the conditions of the service before applying.
In the case of Iti, it is no different, and anyone interested in applying for a personal loan from Iti can do a free simulation through the app itself, where it is possible to check the value of the installments, fees and other interest.
Based on this information, you can compare with other companies and choose the service that best suits your needs. If the conditions offered by Iti are to your liking, just go ahead and apply.
Prerequisites
Itaú is one of the largest financial institutions in Brazil, and the Iti platform is owned by Itaú. Anyone who wants to apply for a personal loan from Iti must meet the prerequisites set by the company.
The main prerequisite for obtaining this line of credit is to register with Iti's digital wallet. If you haven't already, it only takes 4 minutes. In addition, you must be at least 18 years old to obtain the loan.
It is also important to establish a term pension with the IRS, and in some cases even a negative number can be approved, but it is important to note that the interest rate applied will be higher due to the high risk of default.
How to apply for the Iti Personal Loan
To apply for a personal loan from Iti, the first step is to download the Iti app and create your account. If you already have an account on the platform, just follow these steps:
- Open the Iti app: Itaú's digital bank;
- Locate and click on the “Personal Loans” menu;
- Then enter your 6-digit password;
- You will then be able to view the pre-approved amount of the personal loan, which can be changed at any time based on the platform's credit analysis;
- Then click on “Make a new loan”;
- Enter the amount you wish to receive, which must be within the limit pre-approved by the platform;
- Then select the due date for the first period;
- Then, select the installment amount for which you wish to pay off the loan;
- Check all the conditions, if you agree, confirm the contract by clicking on “I want to sign”, then confirm again;
- Enter your 6-digit password and that's it! The loan has been made and the money will be in your account within a few hours.
→ Apply for a high-value credit card! Click here to see, no minimum income requirement!
If you do not yet have pre-approved subscription credit, do not worry, as Iti performs continuous analyses based on your public records, income, positive record and information from the credit protection agency.
Is Iti Itaú reliable?
It is very important that you learn more about the company's reputation before applying for a personal loan from Iti. Since Iti has been registered with Reclame Aqui for 3 years, we will use the data from this website to assess its reliability.
In 2021, digital banks will respond to 95% of customer complaints and achieve a resolution rate of 75%. About 66% still said they would do business with the company again.
Iti Itaú's final rating is 7.5, which is considered good. Based on this information, it can be defined as a reliable company with good credit, so you can borrow safely.
