Sicoob is one of the largest credit cooperatives in Brazil today, has a line of financial products and services that serve individuals, small, medium and large companies and agribusiness producers. One of the products that have grown the most in recent years and offered in Siccob, is Payroll Credit, this type of loan has no bureaucracy, the discount of the monthly installments is made directly on the associate’s payroll.
Associates and “non-members” can count on, besides the Sicoob Consigned Credit , with other financial products such as opening accounts, requesting credit and loans , having credit cards , investing in savings and RDB, securing the future with Sicoob Previ , to finance assets with Sicoob consortium and to avail of several available banking services.
The most interesting thing to participate in being a member of a Credit Union is to be able to share the results obtained, it is worth remembering that the funds raised in the communities themselves are applied for the benefit of the members themselves, besides generating local economy for hundreds of people, jobs and income .
In another moment we will talk about the benefits of being an Associate of Credit Cooperatives, per hour we will understand the “Sicoob Cooperative Credit”.
The Sicoob Consigned Credit is an exclusive loan modality for retirees and pensioners of the INSS, for employees of public companies and private companies. The discount of the installments is fixed and does not change during the plan, it is made directly to the INSS benefit or to the contractor’s paycheck.
Who can make the Sicoob Consigned Credit? Both associates and non-members of Sicoob can carry out the loan without bureaucracy, with speed and facilities. The advantages of the Sicoob Consigned Credit are many: Easy hiring, quick release of the loan and, does not query the SPC and Serasa Experian, approval does not depend on guarantor, the money falls directly into the contractor’s current account, interest rates are very high competitive.
The ” Sicoob INSS Payroll Credit ” is a loan line specially created to grant low-interest loan money to retirees and pensioners of the INSS. The value of the monthly installments are fixed and discounted directly to the benefit, without stress with tickets or bills. The approval and release of credit is for both associates and non- members of Sicoob .
Consigned Credit Public Server
The ” Sicoob Public Servicer Credit ” is a loan directed exclusively to civil servants and civil servants. The line of loan offers many advantages and conditions better than the one offered in the market, fast money, easy and without red tape to do what you want. The installments are deducted from the paycheck every month until the end of the contract.
Private Payroll Credit
With this loan line, Sicoob benefits with the release of credit with differentiated conditions the employees of private companies and agreed with the Cooperative.
An excellent way to help borrowers at relatively low interest rates on CLT workers. The contractor does not need to be an associate of Sicoob to apply for the ” Sicoob Private Sector Approved Credit “. Rates are competitive and fixed installments are directly discounted on paycheck or payroll.
Credit unions for negatives
Many money lending companies offer and release the disputed loan to negative but the application of excessive interest rates, however, does not have the query to score, history and score in the SPC, Serasa and Boa Vista.
The loan in cooperatives to negative Sicoob can be a great chance the associate to get even state with problems in name with the great advantages of taking the loans with very low interest rates compared to the done in financials like Crefisa and others.
Remember to hire your loans based on the responsibility of not getting into debt, do not ask for more than you actually need, because the less money, the more you pay and the interest on the debtor balance is much lower.