How to Get a Personal Loan with Santander
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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:
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- 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
- Open the Santander App or Internet Banking
- Go to Menu → Empréstimos → Simular empréstimos → Crédito Pessoal
- Enter amount & desired number of installments (up to 72) santander.com.br
- Review your simulated terms (interest rate, CET)
- 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)
- Visit the Sim website or download the Sim app
- Fill out personal data & income proof
- Simulate loan amount (up to R$30 000) and installments (up to 36) reddit.com
- Submit application
- 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!
Source of information: www.santanderus.com
