Personal loans and credit

Explore personal loans and credit through 10 in-depth articles with examples, FAQs, documentation and decision criteria.

10 articles to explore

People talk at a table with a laptop and documents.

Understand

Explore concepts and identify the problem you need to solve.

Compare

Compare numbers, terms, evidence and adverse scenarios.

Prepare

Bring questions, documents and a consistent plan to the conversation.

Your path through this category.

Personal loans and credit

Personal loan grace periods: how to calculate the cost of paying later

Learn how a grace period changes your loan balance, payments, and borrowing costs. Compare offers and stress-test your budget before the first payment comes due.

Explore the article

Three people discuss paperwork in an office.

Personal loans and credit

Loan Portability in Brazil: How to Compare Offers and Verify the Transfer

Learn how to transfer a loan to another lender in Brazil, compare payoff balances, total borrowing costs and installments, calculate your savings, and verify that the old loan was settled while protecting yourself from fraud.

Explore the article

A hand holds a pen above a calculator and papers.

Personal loans and credit

How to Pay Off a Loan Early and Check Your Savings

Learn how to check a loan payoff quote, calculate the interest you would avoid, and choose between shortening the term, lowering your installments, or keeping cash available.

Explore the article

A hand opens a glass jar containing savings.

Personal loans and credit

Bank overdraft or personal loan: how to compare costs and stay out of the red

Compare bank overdrafts and personal loans by net proceeds, total cost in reais, and repayment timing. Learn how to model delays and plan to pay off the debt.

Explore the article

A person fills out a form on a wooden desk.

Personal loans and credit

Personal Loans in Brazil: How to Apply, Compare Offers, and Decide Before Signing

Learn how to work out how much to borrow in Brazil, compare offers using the total effective cost of credit (CET), and check whether you can afford the payments in a tough month.

Explore the article

Three people review papers and take notes at a table.

Personal loans and credit

How to Negotiate a Loan Rate and Compare the True Cost

Compare interest rates, Brazil’s total effective cost (CET), installments, and repayment terms. Prepare a counteroffer and use worked examples in Brazilian reais to decide when to renegotiate, transfer, or pay down a debt.

Explore the article

People review paperwork at a table with an open laptop.

Personal loans and credit

The Total Effective Cost of a Loan in Brazil: How to Compare Costs and Payments

Learn how Brazil’s Custo Efetivo Total (CET) works, check your net loan proceeds, and compare offers by cost, repayment schedule, and impact on your budget.

Explore the article

Brazilian real banknotes of different denominations on a light surface.

Personal loans and credit

How to renegotiate a loan without losing control of your budget

Understand your loan balance, work out what you can afford, and compare renegotiation, loan transfers, and early settlement before signing an agreement.

Explore the article