Americanas stores are known for introducing a variety of items to the market to build facilities and meet customer demands. Among the novelties are the Americanas card and, more recently, the Americanas Loan, a personal loan offered to the business's customers.

The loan is the solution for individuals who need extra money in an emergency and is the best credit for everyone.

Check out how the credit works and the advantages it offers!

Read also: Find out how to get a loan with Limite na Hora!

Is it reliable to take out a credit at Americanas?

In general, yes, because the company has a long history in the Brazilian market with a partnership with the Cetelem bank, which guarantees even more credibility.

The Americanas card is issued by Banco Cetelem, a financial institution with over 50 years' experience. Lojas Americanas wants its customers to know that the card is a very safe and reliable alternative.

How does the Americanas loan work?

Americanas credit is a personal loan available to store customers. This gives you access to an amount that will be pre-approved in your account and that you can use for whatever you need, without having to present any documentation. This allows you to use it more efficiently and without bureaucracy.

Among the differences is that the loan will include payments that must be paid immediately into your Americanas credit card account. So, when the bill arrives, you know that you will also have to pay the full amount of the Americanas you have opted for.

Consequently, it becomes very useful and offers all the benefits that a decent personal loan can offer to people who need immediate cash.

Benefits of personal loans at Americanas

Analyze the benefits of the Americanas loan and find out why people with the Americanas card apply for credit:

• The request is made online, through the Americanas app.
• You have the approved amount.
• You have up to seventy days to start making payments on your Americanas loan.
• Your Americanas loan can be paid off in up to 48 payments!
• The loan's interest rates are lower than those of other personal loans.
• Within two days, the funds will be deposited in your account.
• Taking out a loan from Americanas guarantees you value and security.

Because of this, many people are applying for this credit and maximizing their resources when they sign up.

Apply online for a loan at Americanas: How do I apply?

There is a procedure for obtaining a loan from Americanas. It all starts when you create your Americanas card, which is essential for obtaining a personal loan.

Before taking out a personal loan, you should investigate how to create an Americanas card.

1. To access the Americanas Card website, click here.
2. Select "Americanas Card"
3. Register on the site to have access to card alternatives.
4. Enter your login credentials.
5. Select "Request Card"
6. Fill in the proposal with your personal information and the relevant details.
7. Provide the credit assessment proposal.
8. Wait for the reply to see if your card has been accepted.

Once your Americanas card has been approved, you must start a connection with the card's issuing bank, Cetelem. Use the card for all transactions to make the next steps easier.

To obtain the loan, the following actions must be taken:

• Within the application, wait for your personal loan to be released.
• When released, you must specify the amount of money required and the number of payments you will make.
• The proposal will be sent to the bank.
• If accepted, the funds will be deposited in your bank account within two working days.

Americanas credit can be obtained immediately via the bank's app, the company's website or WhatsApp. To be accepted, you must now confirm your information.

Find out how to get a loan with Limite na Hora!

Is the Americanas loan a good choice?

The Americanas loan will give its customers amounts starting at R$ 300, plus the option of larger installments, up to 48 installments with cheaper interest. So you should receive a larger amount with better circumstances.

Therefore, credit is advantageous if you are an Americanas customer, have an Americanas card and have pre-approved credit. This way, you can make more use of your money and have access to more amenities.