How to get a loan online and other questions answered

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Hiring a loan is a big responsibility, both for those who request the service and for those who provide it.

Many questions arise in the process and we are here to answer them and help you to be more relaxed to simulate and contract your loan with us.

There are 25 questions answered, check the index below:

  1. What is a personal loan?
  2. Where to apply for a loan?
  3. What are the loan modalities available?
  4. How to get a loan online?
  5. Is the Eduxi loan only for students?
  6. What is the minimum/maximum loan amount?
  7. What is the minimum/maximum number of installments?
  8. What are the fees and payment dates?
  9. What is the date of the first payment?
  10. Does Eduxi work as a digital bank too?
  11. How to get approved for a loan?
  12. How do you know if it’s safe to take out a loan?
  13. What is EasyCredit?
  14. Is the simulation only online or can I do it over the phone?
  15. Why do you ask to validate the mobile number?
  16. How do I get the loan?
  17. Do you do self-employed loans?
  18. Do you make a loan for negative people?
  19. Do I need to pay to simulate?
  20. Do I need to pay to take out the loan?
  21. I’ve done the simulation, now what?
  22. I did a simulation, I was pre-approved, but when I was redirected to finance, I failed. And now?
  23. I have not been pre-approved at any financial institution, now what?
  24. Proposals come in whose name?
  25. The approved proposal does not cover what I need. And now?

What is a personal loan?

It is a form of credit provided by financial institutions. You can request it, for example, when you need help paying off debts or making high-value purchases in cash.

The “return” of this money to the finance company takes place in monthly installments, with the addition of some fees and interest.

Where to apply for a loan?

Here at Eduxi, on our website you can simulate your loan for free, quickly and completely online, receiving proposals from up to 30 partner institutions, in one place.

What are the loan modalities available?

We offer personal loan, personal loan with guarantee (property or vehicle) and also credit card.

Is the Eduxi loan only for students?

Eduxi believes that education is the best investment, so we encourage the use of the loan for this purpose, but anyone can take out the loan, in addition to being able to use it as they prefer.

What is the minimum/maximum loan amount?

On the platform you can apply for loans from BRL 500.00 to BRL 50,000.00. The value offered in the proposals will depend on the analysis of each financial company.

What is the minimum/maximum number of installments?

On the platform you can request the installment between 3x to 48x. The number of installments offered in the proposals will depend on the analysis of each financial institution.

What are the fees and payment dates?

This answer depends on two factors: what is the requested amount and what is the financial one.

When performing a loan simulation, you can select the amount you want to receive and how many installments you can pay. Based on this, institutions will bring you offers that fit your profile.

What is the date of the first payment?

The payment dates are defined through the analysis of each financial institution, so it is necessary to check directly with the company at the time of hiring.

Does Eduxi work as a digital bank too?

No, Eduxi works as a banking correspondent.

In other words, we only bring the financial offers to you, making hiring easier. But each proposal is the responsibility of the financial institution.

How to get approved for a loan?

Using up-to-date data, proving your income and having a stable job are some characteristics that help to have good credit proposals. The general rule is: the greater the ability to pay, the greater the chances of being approved.

How to get a loan online?

Here at Eduxi, that’s exactly what you do. Accessing our website [credit page] you can better understand how the whole process works and find the simulation button — or go directly to the simulation page here .

Just fill in the requested information and wait for your proposals to arrive in a few minutes.

How do you know if it’s safe to take out a loan?

Do a lot of research before doing any business and know the procedures. For example, no loan provider asks for an account deposit or advance payment.

Here at Eduxi, it’s 100% safe! In the end:

We have Easy Credit as a partner, which maintains contact with more than 30 financial institutions to contract loan estimate and credit cards. This is your first guarantee of security in our process.

Afterwards, you will have direct communication with Eduxi. Any and all questions can be answered by service via WhatsApp or email.

In addition, we are fully aware of and strictly follow the rules established by the LGPD (General Data Protection Law). That way, you can be sure that all your information will be safe and won’t be shared without your permission!

By choosing Eduxi as the platform to guarantee the financial and educational solutions you need, you will have the necessary security to carry out all the procedures.

What is Easycredit?

EasyCrédito is a search engine for loan and credit card offers. Through our partnership with them, we are able to bring you a wide variety of proposals in one place, from up to 30 different finance companies.

Is the simulation only online or can I do it over the phone?

The simulation is done only through our online platform, you can access it through our website [ credit page ], either on a computer or on a cell phone or tablet. 

If you have any questions, just send us a message and we’ll help you with the process.

Why do you ask to validate the mobile number?

We validate your cell phone to confirm a direct communication channel with you. In addition to having an easy means of communication, validating this information is important for your security, ensuring that no one does simulations for you.

How do I get the loan?

It’s simple, fill in all the required information on our simulation platform, when you’re done, wait a few minutes for the first pre-approved loan proposals to come to you. Then just choose the best one and contact the finance company for hiring.

Do you do self-employed loans?

We offer loans for self-employed normally, just fill in your details on our platform and simulate.

Do you make a loan for negative people?

We also offer loans for negatives, fill in the information on our loan page and simulate.

Do I need to pay to simulate?

You don’t have to pay anything. The simulation is entirely free. Also, if you receive any charges on our behalf, do not make the payment and let us know as soon as possible.

Do I need to pay to take out the loan?

You do not have to pay any amount upfront to get the loan. Check your loan agreement well before hiring, the only amounts you must pay are those described there. If you have any questions, just get in touch with us.

I’ve done the simulation, now what?

Well, as soon as the simulation ends, the first proposals will start to arrive, keep an eye on your email, phone and on the EasyCrédito platform. Then, just choose the offer you prefer and contract directly with the finance company.

I did a simulation, I was pre-approved, but when I was redirected to finance, I failed. And now?

Contact the finance company, via email or phone, explaining your problem. If you need assistance, send us a message.

I have not been pre-approved at any financial institution, now what?

If you have not been pre-approved for any loan, you can try again within 30 days of the first simulation.

Proposals come in whose name?

Proposals come in your name (the same name you used when registering) and are non-transferable. That is, the offers of your simulation are only valid for you.

The approved proposal does not cover what I need. And now?

The values ​​of each proposal are defined directly by the finance companies, according to credit analyses. We bring a variety of loan offers, if you find it necessary, you can hire more than one.

Where are you from?

We are based in São Paulo, but we serve all of Brazil.

Did you have any doubts? You can still call us on WhatsApp to chat !

If not, start your simulation now.

By aamritri

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