Loan on electricity bill today can be a good alternative for those who need extra money, to pay a bill or even make a specific purchase.
In the market there are several financial institutions willing to carry out different types of loans, being discounted in different ways, with guarantee, without guarantee, in short, in many ways.
Today the loan on the electricity bill is much simpler, quick and safe to make, in addition to having a rate similar to other loans out there, it is also easier to pay and with less risk of default for the financial company.
O loan is deducted from your electricity bill, that's right, in your energy bill that arrives every month at your residence, you can make the loan and choose as a payment option debit from your energy bill.
By choosing this option, your energy bill will charge the monthly amount spent on your energy, plus the amount of the loan installment, ranging from 3 to 18 months, depending on the amount borrowed and the financial amount that will be made, the amount of installments may vary. .
In some cases, if the electricity bill is in automatic debit, don't worry, nothing will be different, you just need to see your account balance and the loan installment amount and leave the amounts in your account available to be debited.
It's a great way to get that money you need, and for the finance company that will make the money available to you, it's great too, because the risk of default is very low, as we all need to pay the electricity bill at home every month. .
WHAT IS LOAN IN THE LIGHT ACCOUNT
Since 2019 some electric power companies such as CPFL, CELESC and ENEL X, who supply energy to your home, have joined the program in which the loan can be made and the same be charged to the electricity bill monthly.
However, this modality is not available in every country, some states have already joined the program, others are studying, one more thing is certain, sooner or later, everyone will be making this type of loan.
It is worth mentioning that it is not the electric company that makes the loan, there are financial companies registered with these companies and they take out the loan, making consultation and the like.
The electric company only supplies the energy, and issues the electricity bills that arrive at our residence monthly.
To see if it is already available in your state, here are some states that carry out this type of loan, such as São Paulo, Rio de Janeiro, Ceará, Goiás and Rio Grande do Sul have already joined the program.
WHAT DO I NEED TO MAKE A LOAN ON THE LIGHT BILL
so that the loan can be released For you, firstly, the energy bill must be in your name, and all energy bills up to date, that is, there cannot be any overdue bills otherwise the loan is not released.
to make a loan simulation, you will need your personal data, such as:
- work card
- ID
- CPF
- Bank receipt (if not registered)
- Proof of residence (up to 2 months)
If your name is restricted, don't worry, although some financial companies consult the SPC and Serasa, the same can be released, even with default.
WHERE TO MAKE THE LOAN IN THE LIGHT ACCOUNT
For take out the loan today it's all online, you can do the simulation in the comfort of your home, you just need to have access to the internet and have a cell phone, tablet or computer.
Some finance companies already carry out the loan, the CREDITS is one of the main financial institutions in this type of loan on the electricity bill, it is worth checking out.
On this platform CREDITS It is done online, practical and the main thing is very safe, there you perform the simulation and if everything is in agreement the money can be in your account within 24 hours.
