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You need a fast loan and want to solve everything on your cell phone? Nowadays, there are several apps that offer small amounts, such as 150 reaisIt's quick and uncomplicated. These microloans are ideal for emergency situations and can be applied for without bureaucracy, directly through the app. See below how these loans work and a step-by-step guide so you can get yours.

How does the app loan work?

Loan apps are digital platforms that facilitate access to credit. They usually release small amounts with short payment terms and are a practical solution for those who need money fast. Approval is usually quick and can dispense with rigorous credit analysis or consultations with services such as SPC and Serasa.

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These loans are ideal for covering urgent expenses and financial emergencies, but it is essential to use them responsibly. As the amount is small and the process is simplified, the interest can be a little higher, requiring attention to the contract.

Step by step to apply for a loan of 150 reais

If you need this microcredit, check out the steps below to get it directly through your cell phone.

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1# Choose the right application

Before starting the process, it is important to choose a reliable application. Some popular options on the market include:

  • PicPayIn addition to payments and transfers, it offers quick loans with easy access via the app.
  • Mercado PagoThe platform offers small loans and is ideal for those who already move money through the app.
  • Zippi: Aimed at micro-entrepreneurs, it also offers low-cost loans with fast approval.

Do a quick search to make sure the app you've chosen is safe and check reviews from other users.

2# Download and install the app

Go to your phone's app store (Google Play or App Store) and download the app of your choice. Make sure the app is official by checking the name of the developer and the number of downloads. Once installed, open the app to start the process.

3# Register and create an account

When you open the app for the first time, you will need to create an account or log in. Registration is usually required:

  • Full name
  • CPF
  • Phone or e-mail
  • Full address

Some apps also ask you to link a bank or digital account in order to transfer the loan amount after approval.

4# Simulate the loan and choose the conditions

In the loans menu, you will find the option to simulate the loan. Enter the amount of 150 reais and check the conditions offered:

  • Payment deadlineVaries between 30 and 90 days, depending on the app.
  • Interest applied: Compare rates to make sure you're getting a good deal.
  • Total amount payableMake sure that the final amount fits into your budget.

After the simulation, you can confirm the terms and proceed with the application.

5# Send the request and wait for approval

Once all the information has been filled in, it's time to submit the application. In many applications, approval is automatic and can take place in a few minutes. If any kind of analysis is required, you will be informed of the status of the request in the app itself.

6# Receive the amount in your account

After approval, the loan amount will be transferred to the bank account or digital wallet informed during registration. Receipt times may vary, but in most cases the money is made available on the same day.

What are the advantages and precautions when applying for a loan?

Advantages

  • AgilityThe whole process is done on your cell phone, without having to leave the house.
  • Quick approval: Ideal for emergency situations.
  • No red tapeIn many cases, there is no consultation with SPC or Serasa.

Care

  • High interest ratesQuick loans can have higher rates.
  • Indebtedness: Use credit consciously to avoid accumulated debt.
  • Check terms: Read the terms and conditions carefully before confirming the loan.

150 real loan: quick and efficient solution

Getting a loan of 150 reais through an app is a practical and quick solution for financial emergencies. However, it is important to choose a safe app and check the conditions offered.

If used responsibly, microcredit can help you solve unforeseen problems without complications. Now that you know the process, just follow the steps and secure the amount quickly and safely.

See also: What is the cheapest loan for MEI? See the best options

November 5th, 2024