How to Get a Personal Loan with Santander

What Types of Loans Are Available?

Santander offers several personal loan options:

Choose the option below

• Personal Loan (Crédito Pessoal): Unsecured, no guarantees required.
• Vehicle- or Home-Backed Loan (with collateral): Lower interest, extended terms.
• “SuperCrédito”: For non-account holders; paid via Santander credit card.
• Loan via fintech “Sim Santander”: Fully digital for non-clients, up to R$30 000.

2. Who Can Apply?

• Account holders (Pessoa Física, 18+ with CPF): Likely have pre‑approved limits.
• Non‑clients: Can apply via “Sim” fintech with CPF, RG, proof of income. mobills.com.br

Key eligibility factors:

• Good credit score (Serasa/SPC/score above average)
• Name clear of restrictions
• Steady income and healthy financial profile

3. Key Benefits

• Loans up to R$150 000 for clients; up to R$30 000 through fintech “Sim”
• Terms up to 72 installments × monthly fixed payments
• Grace period: Up to 40 days before the first payment
• Money often credited immediately after approval
• Optional credit protection insurance (death/unemployment)

4. How to Apply: Step-by-Step

A. For Santander Account Holders

1. Open the Santander App or Internet Banking
2. Go to Menu → Empréstimos → Simular empréstimos → Crédito Pessoal
3. Enter amount & desired number of installments (up to 72) santander.com.br
4. Review your simulated terms (interest rate, CET)
5. Confirm & finalize, funds credited to your account usually on the same day

You can also apply via:

• ATM / Self-service kiosks
• Phone: 4004‑9090 (capitals) or 0800‑722‑9090 (rest of Brazil) santander.com.br
• In-branch at Santander
• Internet Banking

B. For Non‑Clients (via “Sim” Fintech)

1. Visit the Sim website or download the Sim app
2. Fill out personal data & income proof
3. Simulate loan amount (up to R$30 000) and installments (up to 36) reddit.com
4. Submit application
5. Once approved, funds deposited within up to 3 business days

5. What You’ll Need (When Required)

While many customers can apply without uploading documents, Santander may request:

• Valid ID (RG or CNH)
• CPF and recent proof of residency
• Proof of income (pay stubs, bank statements, or tax documents) mobills.com.

6. Rates, Fees & Considerations

• Interest rates are personalized, influenced by credit history and loan details fdr.com.br
• Average monthly rate: ~3.4% (≈80% per year)
• Includes IOF, PIS/COFINS/ISS taxes and a one-time registration fee (max R$999) mobills.com.br
• No additional administrative fees
• Option to add credit protection insurance for peace of mind

7. Tips to Secure Approval

• Ensure your name is clean in SPC Serasa
• Maintain a good credit score
• Demonstrate stable income and low existing debt reddit.com+3reddit.com+3reddit.com+3
• Increase your relationship: use your account actively, payments, payroll, etc. reddit.com
• Avoid requesting multiple credits simultaneously, it can reduce approval chances

Conclusion

Santander Brazil offers a robust and user-friendly personal loan experience, especially for account holders, with up to R$150,000, up to 72 fixed monthly installments, and grace periods.

Non-clients can access smaller loans via the Sim fintech, entirely online.

The key is maintaining good credit, a transparent financial profile, and knowing how to use the app or website effectively.

Let me know if you want a comparison with Itaú or Bradesco, or a script version for your mentor program. Happy to continue shining this financial spotlight with you!

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Source of information: www.santanderus.com