Cartão de Crédito e Empréstimo

💳 LOAN AND CREDIT CARD COMPARISON TOOL

Free app for comparing and providing information on loans and credit cards available in the Brazilian market.

⚠️ IMPORTANT NOTICE

This app is a comparison and information platform. We are NOT a financial institution, we DO NOT grant credit, and we DO NOT intermediate financial transactions.

We act exclusively as an information source, directing users to the official websites of our partner financial institutions. Credit approval, rates, terms, and conditions are the sole responsibility of each institution.

✨ AVAILABLE RESOURCES

📊 Information Comparison

• Information on over 20 loan options

• Credit card data from various institutions

• Presentation of monthly and annual interest rates (CET)

• Comparative view of different offers

🎯 Search Tools

• Questionnaire for personalized suggestions

• Filters by amount, term, and interest rate

• Information on requirements and documentation

• Favorites system for comparison

💰 Installment Simulator

• Calculation of monthly installments

• Presentation of CET (Total Effective Annual Cost)

• Detailed amortization table

• View of interest and total amount

📋 INFORMATION ON RATES AND CONDITIONS

Monthly Interest Rate

The rates presented vary according to the credit analysis of each financial institution.

Examples of monthly rates found in the application:

• Minimum: 0.74% per month

• Maximum: 19.99% per month

CET (Total Effective Annual Cost)

The CET includes interest and other charges.

Examples of annual CET:

• Minimum: 9.27% ​​per year

• Maximum: 795.96% per year

Representative example of the cost of a loan:

- Loan amount: R$1,000.00 to be paid in 12 months.

- Monthly installments: 12 installments of R$131.75 (including IOF).

- Tax on financial operations (IOF): R$12.79.

- Total effective cost (CET): 7.86% per month and 147.93% per year.

- Total to pay: R$1,581.00.

Rates and Terms:

- Terms: Loans can be repaid in a minimum period of 3 months and a maximum of 360 months.

- Interest rate: Varies from 0.88% per month (11.09% per year) to 19.9% ​​per month (782.73% per year), depending on the financial institution and the applicant's profile.

💡 TYPES OF LOANS OFFERED

• Personal Loan

• Payroll Loan

• Home Equity Loan

• Vehicle-Secured Loan

• FGTS Advance (Birthday Withdrawal)

• Credit for Individuals with Negative Credit History

🔒 PRIVACY AND DATA PROTECTION

In accordance with LGPD (Brazilian General Data Protection Law):

• We do not collect sensitive personal data

• We do not request access to contacts, photos, or location

• We do not share data with third parties without consent

• Full Privacy Policy: http://hsaggroup.com/privacy

📱 HOW TO USE THE APP

1. Browse the available loan options

2. Use filters to find relevant information

3. Compare rates, terms, and conditions presented

4. Use the simulator to calculate installments

5. Access the official website of your chosen institution Choose

6. Apply for credit directly with the financial institution

⚖️ TERMS AND RESPONSIBILITIES

This application presents information about financial products. Contracting is done exclusively and directly with the financial institutions.

We DO NOT guarantee:

• Credit approval

• Availability of presented offers

• Accuracy of real-time rates

• Specific conditions of each contract

Financial institutions are responsible for:

• Credit analysis

• Approval or denial of applications

• Final contract conditions

• Definitive rates, terms and amounts

• Customer service

⚖️ LEGAL DOCUMENTS

Privacy Policy: http://hsaggroup.com/privacy