Empréstimo Pessoal Fácil

HSAG LLC

Contains ads

About this app

Personal Loan Made Easy is an independent loan comparison tool for Brazil. We are not a financial institution and we do not lend money: we gather offers from various institutions for you to compare calmly and, when you decide, we connect you to the official website of the bank or financial institution to make the request.

What you do in the app:

• Compare offers side-by-side — see the CET (Total Effective Cost, in % per year), the monthly interest rate, the amount and the term of each option in one place.

• Simulate before deciding — enter the amount, term and rate and see instantly the monthly payment, the total to pay, the total interest and the estimated CET (already including estimated IOF and fees). The evolution of the installments (Price Table) appears month by month.

• Find options for your profile — answer a few quick questions (purpose, work situation, desired amount and term) and see an estimate of compatibility with the offers. It is an estimate to help you compare, it is not your real credit score nor a guarantee of approval.

• Take a financial health assessment — 5 questions, a score from 0 to 100, and tips for organizing your budget. Your answers are only stored on your device.

• Save your favorite simulations and offers to resume later. Works offline with already loaded offers.

Who it's for:

Useful for those seeking personal loans, loans secured by vehicles or real estate, payroll loans, and receivables financing. There are also filters for those with a negative credit history or who prefer a completely online process. The presence of an option on this list never guarantees approval: each institution conducts its own analysis.

Required information:

• Payment terms: the compared offers have terms starting from 3 months, and can reach up to 240 months, depending on the institution and type of credit. Loans with terms of up to 60 days are not displayed.

• Maximum cost (annual total cost, including all charges): the total cost varies considerably between institutions and products. In unsecured loan options aimed at higher-risk profiles, the estimated CET (Total Effective Cost) can exceed 400% per year; in loans secured by real estate, it is usually much lower. The values ​​shown are estimates, and the actual CET is provided by the institution at the time of contracting.

• Representative example: in a loan of R$ 3,000 in 12 installments, with an estimated CET of 99% per year, the monthly installment is around R$ 355.91 and the total to be paid is around R$ 4,270.92. This is just an illustrative example; the actual values ​​vary according to the analysis of each institution.

Transparency and security:

We show estimates, never promises. Rates and CET are calculated using the Price Table with an estimated IOF (Tax on Financial Operations) and serve for comparison; the final conditions are always defined by the institution in the analysis. A reputable institution always consults credit bureaus and never asks for an upfront deposit to release a loan.

Easy Personal Loan is free and displays ads. We do not ask for registration, login, access to your contacts, your location, or your photos. Privacy Policy: https://hsaggroup.com/privacy

In short: compare the CET (Total Effective Cost), simulate the installment, choose carefully, and apply on the institution's official website. You are in control of the decision.