Discover the main credit alternatives

There are several different financing options for the consumer to finally be able to acquire the good he so desires. However, care must be taken with the interest rates charged for each of the main types of credit. Below, we present more information for you to know a little more about this very important subject for the consumer.


The most well-known forms of financing are:


The payment terms of this modality are similar to those of others, although the rates are lower when compared to Direct Consumer Credit. It is an alternative that presents a more practical return on the asset, since it is in the name of the financial institution itself, until the payment is completed. In addition, another advantage is the fact that it does not demand collection of the Tax on Financial Operations (IOF). But, on the other hand, there may be a charge for Services Tax (ISS). The minimum discharge period is two years and the resale process is very bureaucratic and somewhat expensive.



credit loans

In this type of credit, there is the security that the asset will be registered in the consumer’s name from the first payment – which provides for a more agile resale. On the other hand, the interest here is high and IOF is charged, which makes the installments very high. The customer defines the total number of installments to settle the good. The big advantage, in this case, is a discount on installments that are paid in advance.




It is simplified, as it does not require analysis of consumer credit and only presents the collection of the administration fee. However, the tricky point in this alternative is the plaster cast to obtain the good, as it is necessary that your title be drawn and this, sometimes, tends to take time. There is no entry charge, only installments, which may vary according to the consumer’s availability. There is no interest being charged on payments.

What did you think about knowing better about CDC, consortium and leasing? What would be the best option for you? Evaluate and make the best choice for your pocket!


All the features of a budget loan

  Financing legal persons from the country treasury is a special service. Such a budget loan is available to the…

Credit with Bad Credit and Past Due

  Bad credit history and overdue debts became a stumbling block when trying to get a bank loan for many…

Why and how to use a credit comparator?

A loan without a credit check allows you to obtain financing for your project as quickly as possible. However, you…

The Social Accession Loan (PAS): Advantages and Disadvantages

  The Social Accession Loan (PAS) is a loan intended to allow households with modest incomes to access property. This…