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    How Agibank Loan works and other bank services

    How Agibank Loan works and other bank services

    by Team AllYourVideogames | Dec 7, 2022 | Banks | 3

    Are you in need of loans but don't know where to find them? One of the options available in the market is the Agibank Loan. In this post, we have separated everything you need to know about it to conclude whether or not Agibank Loan is ideal for you to use.

    Many people are suspicious and hesitant when taking out any loan outside the bank, as is the case with Agibank Loan. What we can say is that, in most cases, this concern is justifiable, as these lending alternatives are not as well known as the main banks in the market.

    One option to hire these services more securely is to obtain as much information as possible about the institution. With that in mind, we have separated the main information you need to know to hire Agibank Loan.

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    What is Agibank?

    For those who don't know, Agibank is a national bank that has been in the market since 1999. With its headquarters located in Porto Alegre, this was the first banking institution in the world that had the idea of ​​transforming the telephone number of its customers into your current account numbers.

    The institution offers investment services, insurance, checking account, credit cards, consortium, loan and Agibank Pay, which is the possibility of payment through the institution's cell phone.

    While the services offered are basically the same as any other bank, it's time to break down Agibank Loan in more detail. 

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    What services does Agibank Loan offer?

    As the focus of this text is to talk about the loan alternatives offered by the bank, we will only detail the Agibank loan and some other functions that are related to it, such as the anticipation of the 13th.

    Agibank Payroll Loan

    The first Agibank alternative that we have is the Agibank payroll loan, which is intended only for INSS pensioners and retirees. There are two options for hiring this service: the first is completely digital, without leaving your home. The second is to go to one of the bank's physical offices and request the service.

    The fees you will need to pay at Agibank payroll loan are quite competitive with other institutions available on the market. In addition, you can pay your contract in up to 84 installments.

    The point that most draws attention is that Agibank does not carry out consultancy with SPC/Serasa in order to release credit to its customers. That is, if you have a dirty name, including in the credit modality, you can apply for the loan in the same way.

    Agibank Personal loan

    The focus of Agibank's personal loan modality is for military personnel, pensioners, retirees and civil servants who have already exceeded their assignable loan margin with discount on their payroll.

    Thus, if you do not fit into any of the cases we have mentioned, you will not be able to apply for credit with this alternative. But in case you are one of the cases, you can receive the money immediately in your account.

    Anticipation of the 13th

    Another service offered by Agibank loan is the anticipation of the 13th, which you can pay in up to 12 installments. However, this option is only available to SIAPE, INSS and army retirees. 

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    What to do to apply for the Agibank Loan?

    Applying for an Agibank loan is quite simple, especially if you are an account holder at the bank, as you can apply for credit 100% digitally, in the bank's application, internet banking or, if you wish, also by going to a physical branch. If you are not an account holder, the credit application will be a little different. 

    For the second case, you will need to fill out a loan application showing your interest in the service. After that, you will need to wait a while for an employee of the institution to contact you to talk about it. 

    If your loan application is approved, the employee will pass the guidelines and ask you to create your Agibank account. After this part of the process is completed, the requested credit amount will be deposited into your institution's checking account.

    You will also have the card you need to use your loan.

    Account holders also do not need to worry about depositing the installment amount into the account, as the loan payment installments will be automatically debited from the payroll.  

    Documents needed to apply for the Agibank Loan

    To apply for the Agibank loan, you will need to send some documents to the institution. Are they:

    • Identification document: can be Individual Taxpayer Registration (CPF), Identity Card (RG) or Driver's License;
    • Proof of residence: any document, which is updated, and which has your current residence address, usually, telephone, internet, water or telephone bills, which are in your name, will do;
    • Proof of income: it can be the details of the INSS or the last pay check you received;
    • Statement from your checking account: the document must be dated and you can request it at the bank branch at your bank or at an ATM.

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    Is the Agibank Loan reliable?

    On the Reclame Aqui portal, customers can register complaints about the companies and services they use, in addition to evaluating the companies with grades, thus defining the reputation of each one. Companies can also respond to complaints.

    The feature of evaluating reputation and customer complaints on this portal is an excellent way to determine whether or not a company is trustworthy.

    According to information collected between June 2022 and November 2022, Agibank has an excellent reputation, being considered a RA1000 company with a score of 8,5/10. They stand out for responding to 99,1% of all complaints registered, with a problem resolution rate of 91%.

    Of the customers who had a problem, 71,2% said they would do business with the institution again, thus showing that Agibank is indeed a reliable bank.

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    Is Agibank Loan good?

    As we can see through the opinions of other customers, Agibank is an institution that cares about meeting the needs of its users, including the request for the Agibank Loan.

    Furthermore, this is not the only service that Agibank offers its customers.

    We can take into account the fact that Agibank Loan is supervised and authorized by different private entities and government bodies. The main ones are:

    • Central Bank of our country;
    • SUSEP – Superintendence of Private Insurance;
    • our country Bolsa Balcão – B3, that is, the stock exchange;
    • ABAC – Our country association of Consortium Administrators;
    • Visa e Mastercard;
    • FGC – Credit Guarantee Fund.

    That is, the Agibank loan follows all required legal and quality standards. Perhaps, one of the few negative points that we can mention is the limitation of the public that can apply for credit. But the chances of you having your credit approved, if it fits the specifications, is gigantic. 

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